Credit Karma Money Reviews

I have had Credit Karma since 2022. I have never had an issue with this business, thank god. Reading these reviews have me concerned now. I noticed that as of 4/30/2026 a lot of businesses aren't honoring my card. So I now must possibly find an alternate bank to conduct business with. I am not saying you should not bank with Credit Karma because like I said, I have never had a problem, but businesses may not honor this card as a real bank.

They froze my account and then locked it after making transactions all day for "security purposes." Not only that, but they disabled my virtual card and locked the new one; again for "security purposes." I spent over 1 hour and a half speaking with them OTP, verified my identity multiple times, and still no resolution. I'm unable to access any of my money after only 2 days of having the account. Customer service says that there's nothing that I can do except wait 7-14 days for a new physical card. I'm extremely upset with this company. The fact that they have no backup plan for situations like this is what's making this even more messed up.

Poor customer service, locked account, difficulty accessing funds. Representative said I could withdraw funds for a fee of 1.75. Asked to speak to a supervisor after 35 minutes. He said there was none available and hung up on my call.

This is the absolute dumbest, most bs app ever invented, making it more than difficult to get my own money from it.. Messing my rent up after lying to me about a tax advance. This app is more useless than Biden was

If it wasn't that you gotta pay extra 45$ to get direct deposit your tax refund into your own bank I would never had open a Credit Karma debit to get it. They flagged a transaction for a service I get but when you reach out to them you are put on hold 45+ minutes to talk to somebody. This is the second time I am trying to get somebody to assist me to unfreeze the account. This never happened before, forcing you to pay or get a credit karma debit THRU turboTax. What a joke. I won't be doing business with turbotax.

I am writing a review on here and then on the BBB website. It seems that there has been a lot of complaints regarding Credit Karma. Should have reviewed before opening a spend account for my 2025 tax filing. I completed my 2025 taxes approximately two days ago and decided to try the Credit Karma Spend option due to how it offered a loan advancement from my tax refund for 2025. Big mistake. The account was opened successfully and I was approved for a $250 loan advancement which was deposited that same day within a very short time. At the same time, I updated my email address and my contact phone number and verified this information successfully not knowing that this would cause an issue, or that is what Credit Karma is stating.

It seems to always hold your money for however long and you can't access it because of your security which is bs. I had to download the app to a different phone and did 'forgot password' so that is the change that made my account not accessible. And they can't do anything about it because it's a system issue. Then someone needs to fix the damn system

Horrible checking account services. There is never a accurate date of when your check will be available. They lie and say that government checks are 5 business days early however they do not do this. They release it when they feel like it and all they do is say contact your payroll department even when you tell them you have and your check was sent days ago. This has been a ongoing issue with them. Constantly blaming your payroll and taking no responsibility for their jobs.

Completely holding me up from buying my house because customer service can't seem to figure out how to get my banking statement to me. Absolutely absurd. Will be closing my account as soon as this is done.

They randomly locked my accounts today and deactivated my debit card. I contacted support and they said it's been sent for closure and there's nothing I can do. Now my funds are in limbo and no one can help.

2500 in the account. Sent me a new debit card card. Works in ATM but gets declined at Walmart and Tractor Supply. Contacted customer service and they told me it was declined for security reasons. Couldn't give me the security reasons or why two major retailers in the US would be declined for security reasons. Told me to find another retailer. Use cash or I could transfer my money out of the account for a small fee. Screenshots of our conversation are attached. She just kept repeating the same things over and over again. Never even offered to replace my debit card.

I send money 2x a month to put into what they call a savings builder so that when you have saved $500 they unlock your asking so you can use the money. Unfortunately, the balance that is reflected by them is a $300 difference not to mention that $50 a month is disappearing since when I send that it does not show up anywhere. So that’s another $400. When I call customer service they say they can’t see any money in my account! I asked to speak with someone in management as they have no information and they say there is only them to talk to.

I was coerced to get a Credit Karma Money account while filing my taxes through turbotax, because it's the only way you can get your refund without paying an extra charge. I begrudgingly set up the account and received my refund, only to find out I can't access my money. I cannot set up a linked bank account to withdraw my funds because of a "technical error", and customer support is deflecting and avoiding my questions. It's been over a week now, and I am not sure how to proceed. I guess faking technical issues and holding on to people's refunds for weeks on end is a great way to increase cashflow.

Worst banking experience ever. Card gets declined for any purchase over 20 and you have to go into the app and approve the purchase and then rerun card. OR the card just declined constantly, can't transfer money out, and customer service is unable to see anything on their end. This has been a repeated problem and CK has no answer to fix it. Won't be able to get to work today because all my money is in my CK account and I can not pay for my gas. Guess when I get fired I'll sue your stupid company for negligence and fraud.

I transferred money internally between my "CK Spend Account" and my "CK Save Account" and it disappeared. They have no real agents and can't tell me where the money is. Don't use them. Now I'm terrified to withdraw the rest of my money for fear it will disappear.

I’ve been using them for about 3/4 years now to file my taxes… They claim you can get your deposit 5days early…. That’s not true!! I’ve never gotten any of my deposits early with them! Their fraud protection is terrible. My account was scammed last year. I had to order a new car but didn’t get any of the stolen money back! Don’t use this account! Plenty of other banks to go through!

I did get my direct deposit 3 days early but they do not honor the 20.00 overdrafts like they advertise and I wasn’t able to deposit cash to the account ever. I would go to every available merchant that they advertised me could make my deposits and it would fail every time on different days and time and places - I was waiting in lines at Walmart - I was holding up the lines in CVS and Walgreens while they would keep trying to help me but each time failed but Credit Karma would blame the retailer saying nothing was wrong on my account- so they all do it wrong - drive to another city.

Stay away! Do not recommend. Would give negative stars if possible. They froze all three of my accounts with them and never sent any notification. I only noticed when charges began to decline. When I called, they could give me no information and had to transfer me to another "specialist". The specialist asked for verification including a copy of the front and back of my driver's license and a selfie to confirm they were talking to the account holder. After giving them what they asked for, they still couldn't tell me why the accounts were frozen or give me any balance information.

I wish I could give them an -1000, please stay far far away from this bank. Normally when you have your card frozen and the transaction is declined due to the card being frozen the funds stay there. Well not with them on 10/31 I was trying to add 1107 to my Apple wallet. Forgot the card was off. Well I go to the app to turn it on and the money is gone. Contacted them several times only to be given the run around about my money. Was told the hold would be lifted 11/06. Well today is 11/06 and there’s nothing. But they did CLOSE MY ACCOUNT KNOWING THEY HAVE MY MONEY. I can seriously see them in a lawsuit SOON. I regret EVER banking with them. PLEASE PLEASE STAY AWAY. IT'S NOT WORTH IT. Oh May I add the manager hung up on me because I wanted my money back.

Worst bank ever. I wouldn't recommend opening an account. The company is not trustworthy. I have been fighting trying to receive a refund from a dispute that was filed, each time they denied it even though I provided proof for dispute. I was advised to call my local police department. I've never had a bank deny an dispute. So if you want a trustworthy account CK money bank card is not the way to go.

Stay far far far away from this!!! So Credit Karma locked and froze my account for over a week due to me updating my phone number. Customer service was totally useless and the department that handles locked accounts “doesn’t speak to customers”. $53 in the account and they made it sound like the ultimate fraud.

Completely fraudulent. Intuit is implementing a thinly veiled shell scheme by “offering/incentivizing” to deposit your TurboTax return (owned by intuit) into your new Credit Karma account (also intuit) and connecting bank accounts via plaid (also intuit) under the guise of supporting a “3rd party” despite all three financial institutions being the same company. I was in desperate need of my tax return as a single mom and a survivor of domestic violence. Turbo Tax said that my return was accepted and would be deposited. My $4,000 return never came and my Credit Karma account was closed without formal notification despite funds in the account. I can’t even check my account balance or find out where my return went. I paid TurboTax for a job which was never completed. Needs to be reported!!

I have been dealing with Credit Karma For almost 2 years trying to get my money. For me closed account back. They literally have read me going circles. Just avoid doing their job properly. I've spoken with 6 different supervisors. Haven't gotten the same response from any of them. I have over a 100 different emails of communication back-and-forth and once again. Still no check. No update. No nothing.

Please be aware! Gave CK a one-star review because there is no lower option. Everything looks good in paper but the reality is something else! I just got an e-mail stating that my savings account will be closed in 5 days with no further explanation even though my money is from a legit source. Don’t get your hopes too high! I did contact the support team and still couldn’t provide me with an explanation. Look somewhere else where you can get better customer support and transparency.

I was looking on my Credit Karma app, and saw the information about the Credit Karma Money! I am so glad I came and pulled up the reviews because I knew something wasn’t right. I will continue to bank with my primary bank before I leave and deal with this foolishness as the reviews mention about my damn money‼️ Y’all need to do better; stop being CHEAP, and hire people in the US which is where we live to handle our money…IT’S a BIG no for me!

Terrible customer service, the phone system is always incorrect. They gatekeep every function with direct deposit including check deposit, and I cannot set up direct deposit without depositing my first check. Worst banking experience I have ever had.

Absolutely the worst customer service for their debit card you could possibly imagine. Like c'mon now. Even Credit Karma can do better than this. Managers will just hang up on you. It's pretty surreal.

My card was stolen and was used to a total of $1400 from my account. I disputed the charges that was made but they denied my claims and when I asked for what did they use to make that determination and to send me a copy. They would not and closed my account. They are so fraudulent, do not use them!!! They are probably the ones that take the money.

My account got hacked on Good Friday and someone transferred 5k from my savings to my checking and took it all. Strange activity started when I got a spam call Tues prior and they stated they were credit karma and I had a fraudulent charge and needed to verify myself. I hung up. Friday comes 430am cst while I am asleep someone changed my number. I kept getting notifications to my phone so I woke up and saw that my money was transferred I immediately opened my app, canceled my physical card and tried to transfer all my money out and it got canceled me thinking it was due to the amount I was trying to transfer but whole time someone was in my account canceling my transaction. They realized I was on there as well and took a large sum of about 4,999 via an international transaction.

3/2/2024 I was called by number ** and I did not pick up. I then began to receive emails from Credit Karma (my bank) saying that my number was updated to** which is not my phone number. I called credit karma to tell them that it was fraud and updated my email address to a new email. I then tried to reach out to Credit Karma Customer service in which I told them my account was hacked. They told me I had to send an email to their support and helped me with canceling my card.