Credit Karma Money Reviews

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.