Consumer Complaints and Reviews
I was trying to check on my refund today 5/9/17. And was told that my taxes were never filed on 4/8/17 when I submitted my taxes on Credit Karma. I immediately got in touch with the oh so bright customer service at Credit Karma, and of course it must be my fault that this has happened! To make a long story short, I have been thoroughly screwed over by these incompetent imbeciles at Credit Karma!!! And the IRS. Will not give a crap why I didn't file on time, it will just cost me money that I don't have!!!
Having read many reviews about Credit Karma I was amazed at how many were negative. I think people’s expectations far exceeded my own. As for me I just wanted a starting point, I wanted a picture of my credit and that's what I got. Three years ago I started using Credit Karma and according to the site I started with a 602 score. I was just coming off a Chapter 13 bankruptcy (lost my job) and was for the first time in a long time in a position with a positive cash flow, I had a some high interest credit cards with moderate balances, but I was of a mindset to get my financial house in order.
As I mentioned earlier I had read reviews and some complained about how inaccurate the scores were compared to actual credit reports. To me this didn't matter. I had a starting point and a place to go to start my financial healing. Prior to using Credit Karma I would have told you that I had a good grasp on my finances and how they were affected. Boy, was I wrong. I won't list all of my ignorance but suffice it to say I knew very little.
Here is how Credit Karma helped me get to a current 736 score (according to them anyway). 1. I was able to dispute late payments or derogatory comments directly from the site (by the way it is a good idea to dispute everything; the worst case is the creditor will just say no, but most the time they won't bother disputing it). 2. As I paid off debts I could see the impact on my score which kept me motivated. 3. I learned that I could ask creditors to raise my limits, and since my payment history was good I was able to get most of them to do it, thus improving my score even more.
My bankruptcy is still on my report but because I constantly monitor my report I am able to overcome that negative impact and improve my score. Yes, I realize the information I gleaned from Credit Karma was readily available. All I am saying is the site works for me and I will continue to use it for what it is, a helpful tool. One last thing, many of the reviews I have read complained about the sites 'Approval Odds' being inaccurate, you have to take these offers for what they are. I would assume that when you apply via the link Credit Karma gets paid, if you get approved they probably get paid even more. So, if you were the owner wouldn't behoove you to get people to click? As my kids would say, "Just sayin..."
It's difficult to rate this company because I'm satisfied with their credit reporting. It's not as accurate as the report from AnnualCreditReport.com, but it is an indication. I am very disappointed with their free tax preparation offer. I took advantage of it, but noticed one major error and another significant error. I won't go into details, but I had to do my return again on the service I used last year.
Like other writers, I contacted them and got a canned response to "check with my tax professional." First of all, why am I using a free service? If I had a tax professional, I'd be paying them. Secondly, I knew exactly what their error was but they were not set up to handle the worksheet properly. Thirdly, whereas other software makes a notation when someone enters an amount smaller than what is reported on 1099-R for retirees, their software doesn't. I wrote them two more times until I finally got someone who said they would "forward my concerns to the appropriate group." I won't be using this service unless they make significant improvements. But after all, what do you get for free?
I tried to use Credit Karma free tax filing system to file my taxes. It created three errors all which would have cost me a lot of money if I hadn't caught them. Luckily I did and used another program. However I was compelled to reach out and speak about this because if I hadn't caught them it could have been costly. I would feel bad if someone was charged more than the government wanted to charge them for taxes because Credit Karma prematurely launched a program full of glitches.
The three errors were as follows: Charging me taxes on my HSA withdrawal. As in not giving me the option to state that they were all for qualified medical expenses. Not allowing me the two month grace period with no insurance as permissible in the tax law for health insurance. Instead it prorated the two months and charged me a fee. Charging me taxes on a withdrawal from a Roth IRA that was not taxable. IE it was already taxed, it was only my original contribution and it was returned within 30 days. Credit Karma did not even have the letter codes available for box 7 on 1099-R only numbers.
Clearly the program is in alpha and not ready to be launched. Please Credit Karma if your tax program is only good for the very most basic filings perhaps 1040EZ people with nothing more than one job and no other credits, deductions or forms, then state it as so. It's not fair to cost the little people money so you can harvest us for more information. Thanks and have a great day!
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I went on this site once. I guess it is "free". However, I found it difficult to get my rating and report. They transfer you to ask personal information and question. Once that happened I left the site and never went back. Very dissatisfied. Not worth the hassle.
When I logged into Credit Karma to get my credit score I was charged $39.95 by something called ScoreSense after I put in all my info to get my credit score. I called this company OTL*SCORESENSE.C 800-679-6327 and was told I must have checked a box signing up for their service. I told them I wasn't aware of doing any such thing. I told them to cancel whatever I had signed up for and refund my money. I was transferred to another person who told me that my request would be sent to another department to determine whether I would get a refund. This has been 2 1/2 weeks and no response. They did send me a cancellation email almost the same day. I still don't know what service they offered. This wouldn't have happened I didn't go to CreditKarma.com.
Poor experience with their tax service. Federal went fine, though the "Guide Me" feature is flimsy. State was filed and I owe a small amount. In Massachusetts, when you file and owe, the return comes with a payment voucher. None available through CK. So, began to email them and it sounds like the support is offshore. No one knows what I am asking and they answer from their script incorrectly. One sent me to the Virginia website, one sent me to the IRS. The latest told me to file my taxes and use the voucher. I believe they don't have a Kindergarten education! No one understands the request. I asked for a Supervisor to call me and all I get is they feel email is the best communication. I am calling my State tax people and complain and to find a workaround so I can pay. Stay far away from Credit Karma. Remember, you get what you pay for and free is never really free. Absolutely terrible.
My $400 refund using Tax Karma from NY state was denied and a complete explanation was sent with the state paper. Scanning that and sending it into the email@example.com meant getting canned, scripted replies like "you got married from last year" etc. Special shout out to Jhovon and Symira. Nobody home and I am out $400 using the program while I am now on the mailing/email for more of the crappy product.
When I first got on and it asked me questions about my credit stuff it told me that I had a mortgage loan in 2012? I was like, 11 in 2012. I got my first credit card when I turned 18 and my credit has been great. And when I actually got my credit score, it was HORRIBLE. When in reality it was very very good. A 200 point difference. I don't trust this site AT ALL. And I was about to file my taxes on it!!! Good God. I hope people don't actually use this site. It is unreliable and its information is completely wrong.
Here I am sitting on my sofa watching TV minding my own business. Phone vibrates saying I have a message. Open the message and it is from Roadloans.Com saying that I was denied a car loan from them. Really?! Number one I never applied with them. Number two I would like to know how they obtained my information and my social security number to run a credit check when I never gave them permission to do so. If I find out they obtained it illegally I will be calling an attorney.
I do not take anything that Credit Karma has to say to heart. I would advise anyone using the site to do the same. Fortunately I found this out years ago, like 2013. I applied for an auto loan and my score was 40 points higher in reality than what Credit Karma listed, great for me because I got a better interest rate, but not good for Credit Karma. It gave me no faith in their reporting system. Since then I use them as a baseline. I would use them to calculate how your score could be affected if you decreased debt. I would not use any of their resources to refinance loans, credit card debt, etc. I don't believe that they have good options. What I have personally found helps is credit card offers with 0% interest for balance transfers.
Ideally these should be lines of credit you already have open and with offers from those lines of credit. Then you transfer your highest interest earning credit card amount to that card and plan to have it paid off within the allotted time frame. You can also play the Rob Peter, pay Paul game. If you would be making a payment of 200 on one card and have a 0% interest offer on another do a balance transfer 3 weeks prior to the time of the payment is due (or right after the statement is released, so the payment is received in time. You have to stay on top of your credit cards and your awareness of what is going on with your accounts. If you were scheduled to make a $200 payment, make a $400 balance transfer to the credit line with the 0% offer. Then after the statement for the card the balance transfer was made to is released make a $400 payment to that card. You are really making 2 payments in one.
You will have a balance transfer fee, this is much smaller (normally about 2% or a minimum of $5-10) than the calculated interest rate that accumulates by making 2 small payments. Credit Karma does not give advice like this. Use them as a gauge but don't take their advice or scores to heart. I know that they currently have my score reported 70 points below what it actually is. I'm a 774 and they have me at a 704, big difference. I guess sometimes Credit Karma is nice for a giggle.
I seriously can't believe this literally just happened. I got an email stating that someone accessed my account. I was suppose to get 1785.00 back and then Credit Karma went in and changed my information. I have a copy of the 1785 refund and a copy of the 1388 refund paperwork. If they took your money I am willing to file a Class Action Lawsuit against Credit Karma and how they take your money. (*397 is a lot of money for me) I know damn well. Go somewhere else. Because not only is this Illegal I don't even know if I will get my money into my account.
Made a HUGE mistake and decided to file my taxes with Credit Karma. First off, I couldn't file my state taxes until TODAY apparently, when I filed my taxes a little less than 2 months ago. Now to my federal taxes: filled out the information as requested, then got an email saying the IRS wasn't accepting pins this year, which Credit Karma asked me to create (even when this is a new system for the year so they should've known this), so I had to prove my identity by giving them my modified adjusted gross income from last year. Sent it, Credit Karma said it was approved, and waited. Weeks went by, others received their tax returns, I receive a letter from the IRS. This letter stated that my 8962 did not match up to my 1095A, so I had to re file/amend my return. How can that be possible when I verified all of my information before sending it?! Now I won't receive my tax return money for another 2 months or longer.
I've emailed several times only to receive automated, generalized messages regarding "How to file an Amended Return" that can't even be done through their website even if I wanted to (says it's "not available yet"). No follow up, no real communication. Overall a shoddy business and tax system. As soon as someone contacts me I will be deleting my account and making sure everyone I know/can contact through reviews online will know not to ever use their system again. I don't know if it's possible, but with so many similar complaints we should be able to sue for illegally altering our tax returns... Maybe that will get their attention.
When I contacted them to inquire about the issues with my federal and tax return they sent me a link to their TOS explaining that they are not responsible and liable for anything that can and is going to go wrong. I am not even sure these claims are legal as there seems to be a case of negligence and an effort to cover it up. They should be investigated.
I received an email from Credit Karma and was interested in promoted One Main Finance Loan as there was a branch near my home and it was ranked as GOOD to be approved. The system kicked me out in the middle of App and then a minute later I got an email from Avant saying I was not approved! I canceled my Credit Karma account as I was angry due to a similar issue with Avant in December. Sent email immediately to Credit Karma as only phone number listed for Avant AND Since I did NOT APPLY WITH THEM IT OCCURRED ON Credit Karma's website totally unsolicited by me. While I was doing this I got an email from One Main to see if I wanted to complete app I started.
After I filed my taxes, Credit Karma altered my 1040. I filed with information that I downloaded immediately upon filing, and when I went back in a week later the information was changed. I have documentation of both forms and sent them an email which very clearly explained the issue which they dismissed.
Federal filing went fine - was submitted and accepted by the IRS. The State of Arizona tax return is another story entirely. It has been in "submitted" state for 9 days now - NOT "accepted". I finally called the State and they said they have not received ANYTHING for me from Credit Karma. I have opened 2 support tickets with Credit Karma and insisted they just resubmit the darn state taxes, and they insisted they escalate this issue, and STILL do not have any actions let alone a resolution on this matter. BEWARE BEWARE. I will "never ever" use their service again, and would not recommend them to ANYONE. I say again, consumer beware.
I did my taxes with Credit Karma, everything seemed hunky dory, then lo and behold one day I can't log in with no explanation. My account was just gone. So I email support, my account has been deactivated for security concerns without notifying me at all. NOW I HAVE NO IDEA IF MY TAX RETURN WILL MAKE IT TO MY BANK ACCOUNT. This is no way for a company handling very crucial tax information to handle their clients. I'm SOL for trying to be progressive and try something new. DON'T WASTE YOUR TIME. I am devastated as I was looking forward to my return to pay off debt. Stick with brick and mortar.
I unfortunately tried out Credit Karma's new tax filing. It was a disaster. Numerous times their silly help guide skipped part of the 1040. I had to search the site to find out where to input HSA information and then the site mysteriously would not include the credit in the calculations. Turns out there was one stray check box filled out wrong and no alert or signal or explanation as to why that should mean the information would be excluded. Once I figured that out, I then reviewed my forms. Everything seemed OK. But somewhere between review and the online filing, their site deleted all my Schedule E information. Now I will have to amend my form and of course their site does not support the 1040X amended form and I will have to do it via snail mail instead.
Long story short, now I will have to wait an additional? 2-3? 4-5? months to get all of my refund. DO NOT USE THEIR TAX PREPARATION SITE. I have used two other online filing sites. They cost some money, but at least they work. If you use Credit Karma, you will get the service free, but you get what you pay for evidently. I will be filing a complaint form with the IRS about their horrible site and their complete lack of customer service. THERE IS NO CONTACT INFORMATION ON THEIR SITE.
I decided to file my taxes through Credit Karma since I have been using them to monitor my credit scores for a few years now. I filed my federal tax on January 27th, 2017 and everything with that went fine. The system told me I couldn't submit my state return because Georgia was not accepting returns. Which I didn't understand because my co-worker did his taxes on the same day on a different website & was not told that plus he received his state return on February 3rd. Now my state status on Credit Karma just says in progress with no way to recover my state return. I can't submit it & there is not even a link to open it up. I emailed the support team for four days before I got a response back. But all in all they can't tell me anything.
We used CKT for my federal and state returns. A small amount was owed the Commonwealth of Pennsylvania and we opted to for a bank account withdrawal in April. After e-filing, the system allowed me to save the returns. So far so good. After everything was complete, I checked the downloaded returns and we're missing at least two Schedules for Pennsylvania and confirmation of the subsequent bank withdrawal to satisfy what's owed to PA. I contacted CKT Support first asking for the bank withdrawal confirmation because I didn't yet realize that the Schedules were missing. The response was slow and the typical "we're looking into it." Later, I realized the lack of Schedules and contacted them again. At this point, I don't know what's been filed with the Pennsylvania... And apparently neither does CKT.
Due to Credit Karma’s inaccurate reporting offers were made from different banks to refinance my car. My credit was ran too many times to only be told by these agencies the score given to me was inaccurate and that I should contact Credit Karma. I was also told that this would not cause points to my credit since the report was already available and that’s why Credit Karma’s banks suggestions list was available to me. I would like those points back. And Credit Karma should write a letter explaining what happened to my credit report. All this negative impact needs to be removed immediately.
I decided to give Credit Karma a try today after seeing all the commercials. I have NEVER used this service before. Once I was done registering I was unable to log in because the site said that I already had an account linked to the email address **. Needless to say, my name isn't Rob. I contacted customer support through the website since they don't have a telephone number and informed them of the problem. The only reason that I gave 2 stars is because before I could even finish writing this review one of their customer support people had already contacted me through email, suspended my account and gave me the option to join through different measure that don't involve the internet. I politely declined.
I loved Credit Karma until I did my taxes on their site. After I efiled my Federal return I could no longer get back into the Tax portion of the site. For five days and counting the error message I get is this: "This is awkward. There is a problem and we are working on it. Try back in a bit." How long is a bit? A year? I have emailed every customer service link there is on their site. All I receive is automated emails. I cannot get back in to view my return, I cannot continue to file my state taxes. Don't use the Tax part of the site! They really need to get a phone number where you can speak to a person. Their customer service efforts are horrible.
I used Credit Karma to do my income taxes for this year. When I finished they said that New Mexico was not accepting the tax forms yet But I know people that are already getting their tax returns for this state. My niece used H and R Block and her state tax form for New Mexico has been accepted. And now I think I will go to another company to get my state tax form accepted.
Very long story short, but got screwed really good because of Credit Karma!! My Credit Karma Scores are, TransUnion 723, Equifax 729. But since they don't show Experian, I decided to sign up on Experian's site for my score. Damn it, they had my score at 653?? Really, how could this be?? That's a big difference. But I already made choices based on my Credit Karma scores. So I put a lot of stock in these scores. Applied for a much needed loan with LightStream, turned down, then with Lending Club, same thing, then with Prosper, same thing. So finally got a reason from LightStream, my Equifax Score is 656!! That's in line with Experian's 653. Thanks a lot Credit Karma!!! The BBB has many complaints about them, BBB SCORE is F.
Everything went well for the approximate two years that I used Credit Karma. Then suddenly today January 13, 2017 I could not get into my account. Nothing I did would work. I gave it the correct information. I carefully typed in new passwords. It said they did not match. I gave up. I enjoyed Credit Karma while it lasted but really appreciated Greg's detailed comments as I knew, then, that something was definitely wrong. Thank you very much, Greg!
I have been using Credit Karma diligently for 2 years now, working so hard to rebuild my credit to accomplish my goals. Finally I made it to excellent status of 753 & 751. So when we decided to move forward on an adoption and went to get a HELOC loan, the credit report the bank pulled was... Get this 666! What on earth! Why on earth should I use a service that gives me THIS VASTLY INACCURATE information??? The bank representative said that the service was ok to peek at every now and then, but to definitely not rely on it. Use your annual free report instead. Wow. I'm out!
I've had some financial difficulties and wanted to get an idea of my credit score so I created a Credit Karma account. The site provided me with scores that were high enough to get financed for a purchase. However, in speaking with the financial institution they told me that my score was actually close to 100 points lower than Credit Karma said. I was advised that Credit Karma's scores are always much higher than the scores used by the major credit bureaus.
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