Credit Karma Reviews

They give me a auto loan refinance offers with an OUTSTANDING chance to lower my payments and what I get is more credit report inquiries and a very rude response from the Nasa and it reducing my credit score. 😡 I didn’t even really need the loan, but I thought it would be nice to lower my payment. Don’t trust anything on this site…it’s full of scammers who pay CK. 😑

I’ve spent hours and hours trying to get the app to report the correct data from my financial institutions and after hundreds of hours working to try to fix it along with customer service, I have given up. The app is a joke, picking up info from who knows where!

Can't log in no matter what I've tried. At all. And no way to reset password or contact them directly. I have been using Credit Karma for year but all of a sudden I am locked out. At this point, I am just wanting to close/cancel my account. Don't think that's gonna be possible. Sad.

I was given a notification from Credit Karma saying that my chance was excellent to be approved for this card and if I was declined I was guaranteed $50. Was declined, due to that my score was lowered and it appears I will not be receiving "spin" by 2 different agents (Albert and Claire).... both whom claimed that I bought a 2025 car in October, and now 8 1/2 months later my score in insufficient. Which has no merit and if it did.... my screenshots show, the credit score, the guarantee, and the denial! All this worth $50? Ya, it is... Companies can't just lie.... I know they do.... but credit karma claims to be out there to help. Well they did, they helped me out of a credit card, btw I only have 1, so I'm not in debt.... and they helped me out of a higher credit rating. Just the beginning.

They do not deserve any stars. Credit Karma is the worst company ever, I called them to receive a new card and for some reason it took over 3 weeks and I still didn't receive it. I called them and they gave me some crap about it may have got lost in the mail so they had to deactivate that and expedite one, I called on a Tuesday to do that but on the app it said I requested the card on Friday. I don't recommend anyone to get involved with this company. Oh and that wasn't even the best part. I asked them what if I close my account. They said I would have to wait 2-3 business days to receive my money.

I have been contacting this company for weeks via email and phone regarding a dispute for good I never received. I have emails, call logs, etc., and have tried providing the company with proof that I have been unable to contact them, as I never received my goods. I submitted my dispute on June 22, 2025 and have yet to even have them begin reviewing the case, dispute my need for these funds to be returned, telling me it has to follow this long draw out procedure for every dispute (which no one will explain dispute me asking numerous times the procedure/info/ etc needed and why it take 90 days). HOWEVER, I submitted a different dispute, which was reviewed and denied in under 8-12 hours. When I contacted them, they couldn't explain why they broke their own policy to deny this case in less than a day, but they've yet to even begin reviewing the other cases.

They allowed Avant to access my credit report and place a hard inquiry for a loan application that I did not apply for! Now it's up to me to dispute it on my reports! I was using Credit Karma to track my score. I worked hard to raise my score so I could trade in my car and get an auto loan. All my efforts went down the drain! I only obtain loans from Navy Federal and USAA. Do not trust Credit Karma!

I have been a long term customer for years. I faithfully have my paycheck deposited every 2 weeks like clock work, yet they have, without warning, reduced my protection and will not change it back. I've tried speaking with customer service but part of the issue is that there is a significant language barrier. I am not trying to be malicious, but there really should be some, English as a first language speakers, answering calls. I can barely understand the agents and it is frustrating.

Has worked for years with email, now they changed to text and I have landline, no text. They changed it and now it sucks There are a lot easier and better credit score company's out there. I don't know why you cant just let things alone and not tell anyone you're changing it.

I was shut out of my Credit Karma account a few weeks ago. I went through their verification system with Mitek - took hours to complete - finally was successful - I have a screenshot of the acceptance message. Mitek apparently did not communicate this to Credit Karma, so I am still unable to access my account. Credit Karma chat and help center not helpful. No phone number to call to speak with a person. Total waste of time and energy.

Credit Karma has its uses in keeping track of spending, assets, income and credit as well as helping to determine not only your credit worthiness but your net worth as well, however they do miss the mark far too often when it comes to updating overall credit limits and backing their guarantee to award $50 if they guarantee a credit approval and you’re declined. You must also be on the side of caution if you use their banking as a hub for all of your finances because they have very poor customer support skills!

I would give rating of --fffff if I could. Spent over 4 hours to verify myself on online chat since they have no actual phone number and they will not call anyone. I did have an account with them, but within last few weeks I could not log on and verify myself.

Credit Karma and the lenders' only concern is making money. In the process of an inquiry 2 hard credit reports were ran unknowingly. They are blurring the line between inquiry and application and abusing their customer by this procedure by clicking a link for more information. Credit Karma and lender were notified but still ran a 2nd credit report. That is bad business and nobody wants their credit to be negatively impacted by taking advantage of their customers.

Credit Karma is horrible. I am proud of my Credit Score and always pay everything on time and even ahead of time. I may spend a couple thousand dollars but I pay them before they become due monthly. Credit Karma takes my Credit score down every month because I spent more money. I can afford to spend more money.! It's all paid for on time.

FRAUD AND SCAM ALERT! They offered 4.94% 48 mth auto refi through Autopay. They got me. I have FICO scores over 800. I now have a hard credit pull and an offer for 6.25%. Just read an article from the Federal Trade Commission, CK has been doing it for years and already been fine $3 million. Hindsight 20/20. Stay away!

Filing taxes used to be free for me. It was last year - both Fed and State. This year, it was over $200!!! I'll never use this "service" again...my knees are still hurting. I think I started with TaxAct a few years ago - that changed to CKarma, and now I see TTax has their grip on my butt.

It's a waste of time and money. It does not do any good, but they keep trying to sell you too many things. The used car site is a joke since most of them are no longer available. What a waste...don't sign up and don't pay additional money. You can contact all credit bureaus yourself if you need to.

I am sharing my experience with Credit Karma, which will be my first and last engagement with this company. I have contacted their support team multiple times regarding the release of my funds to my linked account. Unfortunately, I have encountered numerous obstacles and am consistently provided with vague explanations regarding the delays, which exceed their stated policy timeframe. When I requested to speak with a supervisory representative, I was informed that the supervisor was unable to assist because the account is designated for foreclosure. However, I have not received a clear explanation as to why the necessary actions have not been taken, and I find myself on day 14 without resolution.

There were commercials on TV I had seen. Was getting a divorce and needed to open a new account that wasn't a joint account. Was at a friend's, commercial came on, and they said they use CK. They said it was awesome, we actually had a discussion about it, lo and behold I got an account with them. There were some good perks when I signed up. I've been with them for several years now. You go to the grocery store and when you pay for your things, instant Karma!!!! CK pays for it. My first year I got instant Karma I think three times. But, haven't since. They must not do it anymore.

Beware of Credit Karma money. They are accomplices of fraudsters, they helped to steal my money from my card and refused to return it. When someone unknown tried several times to pay an amount greater than on my account, there was not one message, not one call. The scammer matched the amount to transfer it to the purchase. This damned bank was silent, but when I made a dispute, they did not even listen to my arguments and immediately refused (denied). The worst financial service in the USA. Beware of this organization, cursed Crefit Karma, and you will save money and nerves. Damn you, you stole my hard earned money.

I gave them a 2 star because while I do not encounter many issues there is one major one that I have encountered on this site. You get offers telling you what your odds are of being approved. I usually look at the terms, conditions and interest rate before I decide if I want to apply or not. Lately for every offer that I have looked at and decided not to apply an application seems to be submitted without my consent. For instant I wasn't even on the site on March 1, 2025 but I got an email just two days ago telling me about a loan that I applied for which I didn't, the same thing happened last month I got an email abut a credit card that I had just looked at the interest rate and decided that it wasn't for me, but I received an email regarding that also.

I’ve learned a lot about credit from Credit Karma and have applied for credit cards. They said I had an excellent chance of approval for and obtained a guaranteed card. It says I have an excellent chance of approval for loans on the site. I tried to get a $2000 loan and couldn’t get approved anywhere for less than 35% interest. It was ridiculous trying to get a loan off CK's recommendation. I ended up crowdsourcing the needed money all for free!!

Credit Karma sucks. I have had my account for over 15 yrs then all of a sudden I can't login because I changed my phone number. Then I get on with so called customer service and they ask me if the email is right. I say yes then they tell me it's not associated with my account. So now they have stolen my identity and I have no choice but to cancel my accounts. These people CANNOT BE TRUSTED. They are horrible. DO NOT USE CREDIT KARMA. They are crooked.

After filing my taxes on TurboTax the site sent me to Credit Karma saying I could check on my refund status there. On the CK landing page, a box said I used 2 credit cards up to their limits. I assumed fraud happened because I have never charged that much and pay it off every month. First I checked my credit reports and nothing was there -0- balance. Then I called the merchant (Target) and was assured they had no charges from me. I went to chat at Credit Karma and all they did (even with a live agent) was send me scripted messages telling me how to file a dispute with the 2 Credit agencies. I told them it wasn't the agencies, there was nothing wrong with my reports. It was just CK's landing page. CK said they could not see what I was talking about so I sent them a screenshot.

Never will I trust or use them again. Taxes are a nightmare. There's no way to get ahold of customer service. No accountability for their misrepresented services. Now I'm left waiting for my own money. Bills are stacking. My daughter's birthday is ruined and counting.

Credit Karma will not allow you to write a review of a Loan company or bank. You click "Write a review," nothing happens. You click write a review under a different page, different link, it takes you to another page of reviews, but there's no link to write one. They are a corrupt company. They also betray people, provide incorrect credit reports, never get your password right and seem to change it again after you change it. I haven't been able to log in with my password for months, after changing it many times, they always say "Incorrect password," but it's NOT incorrect. I hate using Credit Karma. They have a monopoly, and therefore they are terrible.

I find Credit Karma helpful. I would like it if it refreshed account balances more frequently. Some accounts, specifically loans, lag by one month on average. I'm on a mission to be debt free, so it would be nice to see those loan balances go to zero quicker when I pay them off.

My wife and I have been using Credit Karma for a total of 5 years. This year has been hell with them, our digital account was "hacked" when we received our tax advance from credit karma this year. We filed a police report with the local PD and took the necessary steps to recover our stolen funds. Turbo tax sent the money to credit karma for our money yesterday and we still haven't received our refund. Credit karma apparently created us a new account without our knowledge and our money is sitting in limbo at Credit karma and they're giving us the run-around and they keep referring us to a "higher" department that is email only and the never get in contact with us.

We have a credit card from this company for our tax money and the electronic part got hacked so they shut our card down. Now the company is giving us a run-a-round trying to access our account and after a week they still putting us off. I wouldn't recommend this company to my worst enemy.

I took all the advice from Credit Karma and applied for cards and my credit score has dropped 100 points. They will say you’re pre approved and it just puts hard inquiries on your record. Too much to text.