Credit Karma

Multiple bad experiences. I tried to get a credit card to grow my credit rating. Outstanding approval odds according to them. Denied. "Hold" placed on an online purchase. Despite that I had 3x the funds needed and they had those funds for more than 6 months. My opinion, bad faith company. Use them for general information, but do not use them for anything substantial and certainly do not trust them with additional personal information. Additionally you should know I filed a complaint with the BBB.

They kept sending me messages that I was approved by Carvana, low downpayment and monthly payment and I was in the market for a newer car so I applied and carvana wanted 75% down payment so I just decided to keep my old car instead. Well I changed my phone number because I decided to use that auto insurance deal that they kept telling me I could get lower insurance from. Well after that I would get 10 or more calls a day from third party insurance brokers and then I tried to update my phone number because I do have direct deposit through them and I am a truck driver so I don't have everything they wanted like birth certificate, marriage certificate and yes I do have my SS card with me but I refuse to send that over the internet and I don't Carry any mail with me

I just read on ConsumerAffairs about Credit Karma not owning up to their false loan claims. I have experienced this with them. They show me that I can refinance my auto loan and show me these great monthly payments and super low APR. When I apply for the loan and then have people calling me Nonstop I always come to find out they want to give me a loan that’s not the months they advertise or the APR they advertised to get me to apply for it. I’ve tried this a couple times and it’s the same result.

I applied for a credit card with Credit Karma, and I was told that my approval was outstanding for the credit card with milestone credit card only to be denied and hit with a hard inquiry and now I can't do anything about it, not only that my credit score went down, I just applied on August the 24th 2022. I was so disappointed, I personally believe that it's false advertising, I was also told that if I was denied I would be compensated, I don't care about been compensated as much I care about my credit report, this need to be reported to all consumers...

Based upon your current mortgage, CK will extend mortgage offers that will lower your payment. However, what they fail to consider is that they are offering you 30 year mortgages while the remaining term of your mortgage is much less than 30 years. Do you want to lower your payment by extending the term of your loan by 7 to 10 years? I was advised that with a near perfect credit score, I had a "fair" chance of being approved for a credit card that I have had for 20 years!? Not much of an algorithm in my opinion. There is no way to contact anyone in the company from their website. Why are they hiding?

Since Intuit (turbotax) owns Credit Karma, they partnered up with them and their last tax filing process tricked lots of tax filers to sign up for a credit card with credit karma. See more details on this here: **. The way I was tricked is during the end of the process so you could get your tax refund, your only option on their user interface was to "confirm your credit karma account before getting your refund". So I logged in to my CK account and they asked me to confirm my address. I did and immediately it said "congratulations on signing up for your new credit card". I was so angry, no words can describe it.

Great advice at the beginning. I did what they suggested and watched my score grow. After a couple years I continued what they suggested, they kept suggesting get another card, get another card, so my score would go up even more! I have two so I went for a third and huge mistake that was! My score dropped immensely! Don't do it! Stick to two! My score dropped fifty points! Don't get suckered liked I did! It happened to a coworker too. It really is disappointing when you put hard work into it, and they keep suggesting a third card because it will raise your score even more! Don't do it! It doesn't feel good!

Their website is a piece of crap. I tried to create an account several times. Each time their website told me that the information I entered didn't match what the credit bureaus had. Yes, it does. It matches 100%. This is a failure of Credit Karma's website or processes because the information is 100% accurate. I wouldn't trust this website at all. If they can't successfully create accounts from accurate information, then what else is wrong?

1st off direct deposit takes longer then 5 days.

I had a card decline at Spectrum because of a mechanical issue. The terminal charged me 3 times for 1 transaction. I asked CK to release the funds to me, they declined. I asked the mgr of Spectrum to send an email to CK saying the amount was declined, she did, saying Spectrum would not try to collect the amount. CK declined. CK said they would not release or dispute any pending charges for 7 days. During this time I received several late fees for bills I needed to pay, because CK had a pending amount of $280 on my account. Ck refused to compensate me for any of these late fees saying that it's just simply their process. I used an alternate banking card, who the terminal also locked for $280. The email from Spectrum to the alt bank worked and they immediately released the funds from pending. TLDR: Don't expect help from their customer support team for an unusual transactions.