Credit Karma Money Reviews

Credit Karma advertises to pay $50 if a credit card they nudge you to apply. I applied to two and was rejected. I’ve sent ton of emails. Get no response. My credit score went down. Also the c score they have for me is 626 while in Transunion and EQUIFAX is 547. They do not have Experian’s credit score. Total sham.

Well now, I have read several reviews that seem to all have the identical problem with frozen accounts with no explanation or communication. Help chat people have a standard response that the issue is being handled by a "higher department." What a joke. I cannot get any response from the higher department and my accounts remain frozen for a month. I am closing the accounts and transferring my funds to a real bank. I am thinking about sending a complaint to the FDIC.

I opened a Credit Karma Spend and Savings account recently. After initiating a deposit of $6000, my accounts are locked with a message: "Your account is currently frozen for your protection. Contact support for details.". After contacting support via chat, emails, and phone calls, they are not providing any details on what is going on. They told me it's under review by a specialized team, and no further information can be given. They didn't provide any details on the estimated time to fix it, and no way to escalate the matter. It's been over 3 weeks since my account was blocked. Stay away from Credit Karma's Spend and Savings account. Honestly, I would give 0 or negative stars.

They froze my funds because they didn't recognize a legit company I made a charge to. Told me the only way to fix it was to send me a new debit/credit card. 10 to 14 days.. they sent me a new card that cannot be activated. Told me the only solution is to send me another card. 10 to 14 days. Meanwhile they keep sending me Emails stating my credit is taking a hit because of late payments. I can't make payments without access to my account. They are basically holding my funds hostage. Customer service is basically non-existent. They tell me I have to wait for the new card. I reported them to all the proper agencies. BE VERY CAREFUL!!

My tax refund was loaded to a Credit Karma card and they disabled my card for months, now I have not been able to access my money and after speaking to 4 people, no one can help me! I need my money!!!!!

Credit Karma is a horrible joke! To get a live person to answer one simple question takes almost an hour on hold???? Then when you finally get someone they ** their way through before hanging up on you! I better get my 200 dollars applied to my card! Trust them with my paycheck and direct deposit? Not in THIS lifetime!!!!

I SO BADLY wish I would have seen these reviews prior to opening my Credit Karma Spend and Save accounts. Furthermore, I wish so badly that I would be able to review this crap business with zero stars instead of 1, which they don't deserve. Thursday, 06/15/2023 my Credit Karma Spend account was frozen because my boyfriend's paychecks were being deposited into the account and apparently that is a no-no when banking with Credit Karma, something I was never informed of and an issue that I have NEVER had with any bank, EVER.

I have had my paychecks direct deposited into my spend account for the last 7 months with no problems until May. They froze my account with no explanation except telling me it's for my own protection. It's now June so it's been over a month they have been holding my money which is $2300. In the meantime as a single mom I have had no way to pay my bills because they are holding my money in a frozen account. Every time I call, I get the same runaround about how my account is being investigated by a "higher dept" and no way to contact them. I was told to wait for an email which never came and I was also told that they sent me a new card which never came... I have no idea what to do at this point. I have contacted the BBB to help me get my money back.. I believe I have been scammed. Stay away from Credit Karma!!!

Credit Karma money account is a total joke! I made a purchase from Shein supposed to be delivered by DHL and I never received my package. Contacted Shein and they told me to contact my bank. Well, my bank was totally NO HELP. They had me wait 90 days just to deny it with no supported details as to why. I never signed, there’s no picture that the package was left at my door. Absolutely NOTHING!!!! Credit Karma still denied my claim so I have no package and my money is gone! EVERY TIME you call credit Karma they know nothing and speaks directly from a script. It takes you 10 minutes to verify your account only for them to read a script to you. I will never use this account again. There’s no protection whatsoever in situations like this.

I opened a credit karma account in January in hopes to rebuild my credit. As of today May 5, 2023 Credit Karma has allowed over $3700.00 thousand dollars to be stolen from my account and refuses to allow me access to my funds. I have placed over 42 phone calls in regards to this. I was told over the period of 4 weeks that my account is locked and nothing can be removed from it. Last night my balance was $934.79 and today it is $795.54 and funds were again removed from an unauthorized merchant. I just spoke with customer service and they told me that I can not remove funds from my account or have access but anyone with my account and routing number can. Except me. I have tried to link a account to remove the funds that was left and not stole and it's denied. I can not order a debit card or have the remaining funds. So they are allowing my funds to continue to be stolen and not stopping it.

After numerous attempts to create an account I finally gave up. I received contradictory information regarding the procedure and whether I had account after trying to submit my information. On at least 5 occasions I was informed the problem was fixed. On at least 4 occasions I was notified that my account had been deactivated, an account I never had. The same day I received a notification that I had an account but signing in was impossible. They also wanted me to change my email address. I understand they may provide a valuable service to some customer but I certainly am not one of them.