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.