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Business Profile

Credit Services

Credit Karma, Inc.

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Services.

Important information

Complaints

Customer Complaints Summary

  • 3,176 total complaints in the last 3 years.
  • 1,104 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:03/18/2025

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Reporting Conserve on credit report witch when I check my Equifax, Transuion, Experian there not there. $2,899 inaccurate amount.

    Business Response

    Date: 03/19/2025

    The credit scores and reports you see on Credit Karma are provided directly by ********** and Equifax. We don't have the ability to edit, add, or remove any credit information. Having a Credit Karma account has no direct impact on your credit score and is only viewable to you. We do not report your information outside of Credit Karma.
     All accounts and personal information you see listed on Credit Karmas app/website comes directly from the credit bureaus. We have no direct contact with the companies appearing on your credit report regarding how and what they report to the credit bureaus. If you need to have an incorrect account or inquiry removed from your credit reports you can file a dispute directly with the credit bureau that is showing the incorrect information, check out the dispute process at *************************************************************************************************************.

     

    Best regards,
    Credit Karma Complaints Support 


  • Initial Complaint

    Date:03/18/2025

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I have 3 account with ********************** direct deposits biweekly I have been trying to cancel for 3wks now by phone speaks with them then they have to send it over to cancelation that can't get anyone on phone then they tell me they are going to email cancelation I will receive a email I never received I have been doing the same thing over and over I just need to cancel my account and get my own money

    Business Response

    Date: 03/24/2025

    Thank you for submitting your complaint through the Better Business Bureau BBB and for allowing us to respond.

    Our records indicate that on March 18, 2025, your Credit Karma Credit Builder Account was closed in the amount of $220.62 with those proceeds crediting your Credit Karma Savings Account the same day.

    Please confirm if this is the same account in which your ******************** Complaint references closure or if there are other accounts you are also needing closed in which we may assist further.  

    Thank you for allowing us to respond to your complaint. Credit Karma strives to provide the best service to all of our members and we are sorry that we did not meet your expectations. We will strive to do better in the future. If you have additional questions, please feel free to submit a support case at ************************************************ or call ************ and we will be happy to help.

  • Initial Complaint

    Date:03/17/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.*** Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

    Business Response

    Date: 03/19/2025

    The credit scores and reports you see on Credit Karma are provided directly by ********** and Equifax. We don't have the ability to edit, add, or remove any credit information. Having a Credit Karma account has no direct impact on your credit score and is only viewable to you. We do not report your information outside of Credit Karma.
     All accounts and personal information you see listed on Credit Karmas app/website comes directly from the credit bureaus. We have no direct contact with the companies appearing on your credit report regarding how and what they report to the credit bureaus. If you have an issue with what one of your creditors is reporting, you will need to deal directly with that company. Therefore, this complaint should be directed to the creditor(s). For more information on how to dispute with the creditor(s) please visit *************************************************************************************************************.

     

     

    Best regards,
    Credit Karma Complaints Support 


  • Initial Complaint

    Date:03/16/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Credit Karma will not let me into my account after trying many months and countess time,I am elderly and disabled, this is causing me worry, pain grief bcuz they have all my important security information. I tried every known way to contact them but to no avail. They won't even let me opt out not delete my account and totally ignores for close to a year now. Please help me get remedy. Thank you Sincerely ******* ******

    Business Response

    Date: 03/18/2025

    I understand you are having trouble logging into Credit Karma using your email address and password. 
    This could be because you are trying to login to your Credit Karma account from a new device, public internet connection, or VPN (Virtual Private Network), which sometimes causes the error you are experiencing. 
    You may also get this error if you are trying to access your account outside the **** since your account may be inaccessible outside the ****
    If the above reasons are not the issue, you may be able to try again on the Credit Karma mobile app, where you will be prompted to enter the last four digits of your social security number and enter the code sent to your email address. 
    If that does not help, here are some tips you can try:
    If possible, please try to login on the device and internet connection you previously used to access your account. 
    If you are using a VPN, try disconnecting from it and then log into Credit Karma. 
    If you are using shared internet connection (like public WiFi), try using a different type of internet connection.
    Additionally, if you are using a script-blocking plug-in like NoScript, please allow all scripts on **************************.
    Additionally, if you are using a disposable email address with your Credit Karma account, you may want to consider setting up a new account with a traditional email service such as Gmail or Yahoo.
    If you are experiencing this problem using the Credit Karma app, you should still be able to access your account via the website. Alternatively, if you are experiencing this problem using the website, try logging in using the Credit Karma mobile app. 
    You can also try using a different device, browser or platforms from the one you are currently using.
    You may not be able to access Credit Karma from outside the **** for your security. You will still be able to access Credit Karma when youre back in the ****
    If you continue to have issues logging into your account after going through these troubleshooting steps, you can reach back out to us by submitting a support case at ************************************************.
    We are sorry for this experience and appreciate your feedback on this interaction with Credit Karma support. We will strive to do better in the future. If you have additional questions, please feel free to submit a support case at ************************************************ and we will be happy to help.

     

    Best Regards, 
    Credit Karma Complaints Support


  • Initial Complaint

    Date:03/14/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I lost my id and have been trying to unfreeze my account since march 12th offering all other verifying documents including birth certificate social security card. I have pictures of my id front and back as well . Im a single mom with no help with a 2 year old and this is is my only bank account at the moment. me and my kid have been hungry for days and the only thing they can say is to wait 3-5 business days for a email for other options ! Please help me unfreeze my account !

    Business Response

    Date: 03/19/2025

    Thank you for submitting your complaint through the Better Business Bureau BBB and for allowing us to respond.

    On March 12, 2025 your Credit Karma Spend and Save accounts were locked and submitted for closure due to risk. While we are not able to disclose the exact reason for the closure of the accounts, we take the safety of our members very seriously. Per our Account Terms and Disclosures provided at account opening:

    We have the right to close or restrict your account or your account transactions at any time without notice and without your consent for any reason unless prohibited by applicable law.

    As of today, March 19, 2025 it has been confirmed that the funds remaining in your Credit Karma Checking and Savings accounts will be transferred to your ************* Account, ***********, that is on file with us.  Please allow 2-3 business days for the credit to be made available to you.  

    Thank you for allowing us to respond to your complaint. Credit Karma strives to provide the best service to all of our members and we are sorry that we did not meet your expectations. We will strive to do better in the future. If you have additional questions, please feel free to submit a support case at ************************************************ or call ************ and we will be happy to help.

  • Initial Complaint

    Date:03/14/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I was scrolling through credit karma looking at different things in my credit when I noticed a loan offer from a company I had already had a loan through before. I went to go accept and look at the terms of the loan when the screen blacked out said I was not approved and denied me. Resulting in a hard inquiry that lowered my score, for inquiring about something they already pre-approved me for, when going to look at the terms it automatically blacked out denied me and acted as if I fully accepted it. And even if I did want to accept I dont find it to be a good business strategy to offer a loan to someone you already work with, knowing theyre in good standing and have always been, just to deny them lower their credit score. Seems rigged and not a good practice.

    Customer Answer

    Date: 01/30/2025

    the information you requested is above

    Business Response

    Date: 03/18/2025

    Credit Karma is not a credit bureau or a credit-reporting agency, we do not report to the bureaus and therefore cannot remove any inquiries. We don't have the ability to edit, add, or remove any credit information. 

    File a dispute with the specific bureau. Because each bureau has their own credit report, they also have their own dispute process.

    **********: If somethings wrong with your account details, you can dispute this item directly with ********** on their website. 
    Equifax: Head over to ******** dispute page. The 10-digit confirmation number is *not required* to fill out this form.
    While Credit Karma doesnt provide a credit report from Experian, you can also check your Experian report and dispute an error.
    Want to know more before you start? Read our article about the dispute process.

    Or

    Please keep in mind that when you see an offer you like and decide to apply, your application is submitted to the specific lender. When you apply, the lender will review your application and check your credit when making the lending decision. This can cause a hard inquiry, which may cause a drop in your credit scores whether you are approved or declined.

     

    Best Regards, 
    Credit Karma Complaints Support


  • Initial Complaint

    Date:03/14/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Credit karma will not let me access my account or my money unless I pay them to work on my credit.

    Business Response

    Date: 03/20/2025

    Thank you for submitting your complaint through the Better Business Bureau BBB and for allowing us to respond.

    Our records indicate that on March 18, 2025 your phone number was successfully updated in our systems.  We apologize for any inconvenience this process may have caused you at that time.  Typically, there is a temporary inability to view your digital card information once your personal information is updated however, you stated that after your federal taxes were received on March 12, 2025 you were unable to access your account.

    There were no reported locks or holds on your account at that time, and we would not restrict your access due to the need to improve or work on your credit file.  We apologize for that misinformation provided; however, we do see that there were card transactions that were denied right after that tax deposit was made and wanted to provide some clarity surrounding those declines.

    To help protect you and all of our members, we have certain safety measures in place that help detect and prevent potentially risky transactions. These security features are designed to safeguard your account from fraud, but occasionally, legitimate purchases may be affected.

    Our records show that between March 12, 2025 and March 15, 2025, your attempts to make purchases at ******************, Reliable Credit, Playstation and Venmo were declined. This occurred due to specific security rules that apply to these merchants based on their risk profiles. While we understand this may be frustrating, please rest assured that were continuously working to refine our security measures so that good members like you arent impacted by these safety precautions.

    Were committed to protecting your account, and sometimes this means temporary declines to ensure your safety. Were actively working to improve our processes and reduce the likelihood of these issues happening in the future, aiming to provide you with a smoother experience moving forward.

    To confirm, as of today March 20, 2025 your Credit Karma Checking Account is showing as open and active with us without restrictions

    Thank you for allowing us to respond to your complaint. Credit Karma strives to provide the best service to all of our members and we are sorry that we did not meet your expectations. We will strive to do better in the future. If you have additional questions, please feel free to submit a support case at ************************************************ or call ************ and we will be happy to help.

  • Initial Complaint

    Date:03/14/2025

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    They closed my account as soon I file my taxes and my money got deposited into a closed account and I contacted them multiple times and they keep given me the runaround and keep ignoring me and not giving me true information and answers and my refund check that they claim they send it on the 2-28-2025 and if I don't receive it by the 3-14-2025 they will re-issue the check to be send overnight/nextday shipping or opened a new account and deposited the money so I can have access to my money and now I getting frustrated because no one in the higher department, trying to contact me about this matter and help me find a solution to get this resolved quickly

    Business Response

    Date: 03/19/2025

    Thank you for submitting your complaint through the Better Business Bureau BBB and for allowing us to respond.

    Our records indicate the original check number ****** in the amount of $5,828.00 was not received by you therefore, a stop payment was placed with a new check already being issued on March 17, 2025 and sent to the address we have on file for you.   Please  allow 7-10 days delivery via USPS.

    We are sorry for the inconvenience this may be causing you.

    Thank you for allowing us to respond to your complaint. Credit Karma strives to provide the best service to all of our members and we are sorry that we did not meet your expectations. We will strive to do better in the future. If you have additional questions, please feel free to submit a support case at ************************************************ or call ************ and we will be happy to help.

  • Initial Complaint

    Date:03/14/2025

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    My account was hacked for my credit karma money spend. I disputed it and won but now my virtual card is locked and my account, I have 18 grand in there I want to get out, I do not have the linked bank account on file anymore, I am told my account will be closed which is fine but I do not have means to cash an 18 thousand dollar echeck they will send in months. I am a single mother and nhave an eviction I need to transfer the money asap , I have called 50x and no help just being told same things over and over and to wait for a check. It isn't my fault I was hacked for my taxes I jist want my money back! I want to transfer my funds and be done with this company.

    Customer Answer

    Date: 03/18/2025

    I called my ********************* that is closed i was told my account funds were sent to and they didn't accept the money I'm being lied to and told a check was sent overnight 5x and it's being escalated by your team. I want my money that I need I was hacked and my account was closed. No one is emailing me or giving me answers except lies. I want a supervisor to speak to and I want my check sent overnight as I was promised I don't want a script read I want answers and a check sent! I'm tired of being lied to. It's been a week now and no answers just lies!

    Business Response

    Date: 03/19/2025

    Thank you for submitting your complaint through the Better Business Bureau BBB and for allowing us to respond.

    During a routine security check, your Credit Karma Money Spend account was flagged for review and then locked on March 11, 2025. An investigation was performed and as a result a business decision was made to close your Spend account, which we did on March 14th. The remaining balance was sent to your linked external account, however, it was returned on March 19th due to the account being closed. Subsequently, a check was issued for the remaining balance and will arrive at your mailing address on file in 7-10 business days. 

    Thank you for allowing us to respond to your complaint. Credit Karma strives to provide the best service to all of our members and we are sorry that we did not meet your expectations. We will strive to do better in the future. If you have additional questions, please feel free to submit a support case at ************************************************ or call ************ and we will be happy to help.

  • Initial Complaint

    Date:03/14/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    ******* ******* ************************************* 3/14/25 Credit Karma I am writing to dispute incorrect personal information on my credit report. The names (*******, Stormay)and addresses (*************************************************************************************) listed do not belong to me. Please investigate these inaccuracies and remove them from my record.Enclosed are copies of my identifications and proof of residence for your reference. I appreciate your prompt attention to this matter.Sincerely,******* *******

    Customer Answer

    Date: 03/14/2025

    ******* ******* ************************************* 3/14/25 ********************** *********************************** Dear whom it may concern, I was notified by your company regarding an alleged debt. I have reason to believe I do not owe this debt because I have no knowledge of opening an account on Dec. *************************************************************************** by email 1. The amount of the alleged debt; 2. The full name and mailing address of the original creditor for this alleged debt; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment; 4. Documentation showing you are licensed to collect debts in [my statel. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. If you continue attempting to collect on this debt or seek judgment for payment of the debt - without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. Sincerely, ******* *******

    Business Response

    Date: 03/18/2025

    Thank you for submitting your complaint. I understand that there is incorrect personal information on your credit report. The credit scores and reports you see on Credit Karma are provided directly by ********** and Equifax. Unfortunately, we do not have the ability to edit, add, or remove any credit information.Credit Karma displays your VantageScore 3.0 credit scores and reports from ********** and Equifax. VantageScore 3.0 is a credit scoring model that converts the information from your credit report into a score. There are various scoring models available, including those from **** and other companies. Most scoring models use similar information from your credit report. If you have further questions about if you would need to dispute in the personal information listed on your credit report , you will need to contact the credit bureaus directly. You can find the best contact information for two of the major credit bureaus by visiting links below:
    ****************************************************************
    ********************************************

    Best Regards, 
    Credit Karma Complaints Support

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