Consumer complaint received 2021-03-18
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am concerned that the administration of Credit Karma XXXX XXXX is using their bank account products to unduly interfere in consumers ' external accounts and affairs including those related to government payments and perhaps other unknown interferences. 


It appears Credit Karma XXXX XXXX account administration has overstepped its bounds and has unduly interfered or altered my data and file information with the IRS in an attempt to intercept and force my IRS EIP3 Stimulus into their administered account which I closed in XX/XX/XXXX. The IRS/Treasury should have deposited EIP3 to the XXXX XXXXXXXX account that I listed on my last IRS tax filing for tax year XXXX however Credit Karma XXXX XXXX somehow interfered and had the EIP3 diverted to the account I previously closed. I am appalled by this because IRS EIP 1 and 2 were deposited into my XXXX  XXXX account as they should have been but on no filings or IRS documentation have I included the Credit Karma XXXX XXXX account numbers so they have imposed their will to redirect my payments without my knowledge or consent. 


Timeline : In XXXX or XX/XX/XXXX I filed my XXXX taxes and listed a separate and unrelated XXXX XXXX XXXX  account in the filing. I did not include the Credit Karma XXXX XXXX account number on any IRS filings. 


On XX/XX/XXXX I made my initial deposit to open an Credit Karma XXXX XXXX account due to their advertisement of about 2 % savings rate. 


By XX/XX/XXXX Credit Karma XXXX XXXX rate dropped to about 0.5 % seemingly due to changes in US fiscal policy. 


On XX/XX/XXXX and XXXX I withdrew all funds I had in the accounts since I was already receiving 0.5 % in the aforementioned XXXX  XXXX account I used for my XXXX taxes. I attempted to close the Credit Karma XXXX XXXX account around this time but was unable to due to upcoming earned interest deposits. 


On XX/XX/XXXX I finally closed the Credit Karma XXXX XXXX account after withdrawing {$2.00} in interest received on XX/XX/XXXX. 


On XX/XX/XXXX IRS EIP 1 was deposited into my XXXX  XXXX account since it is the account listed on my XXXX tax filing On XX/XX/XXXX IRS EIP 2 was deposited into my XXXX  XXXX account since it is the account listed on my XXXX tax filing On XX/XX/XXXX I notice on the IRS Get My Payment Tool that EIP3 is set to deposit to an account with last four digits I do not recognize. Since XXXX was my last tax filing year EIP 3 should have directly deposited to my XXXX XXXX account as was the case with EIP 1 and 2. 


On XX/XX/XXXX I receive a tip from another current or former Credit Karma XXXX XXXX customer that EIP3 is inexplicably depositing to the Credit Karma XXXX XXXX account. My Credit Karma XXXX XXXX account is closed but I am still able to see transaction history and I see that on XX/XX/XXXX my EIP 3 deposit is attempted then reversed on XX/XX/XXXX. 


To reiterate, I have never listed the XXXX XXXX Money Save account number on any tax filing or any other documentation for any purpose of business or otherwise. Over the course of the 8 months I had the account opened I made four deposits and three withdrawals and additionally there were four earned interest deposits. It is perplexing to me that somehow the administration of Credit Karma XXXX XXXX has made unauthorized changes to whatever IRS documentation or filing information I am associated with. 


Regarding the reversed deposit of IRS EIP3 I am aware that the standard process dictates the payment will be returned to the IRS and sent to me as a paper check which is a major inconvenience but more importantly the result of undue interference in my accounts. 


I am concerned that the administration of Credit Karma XXXX XXXX may be using their bank account products to unduly interfere in consumers ' external accounts and affairs including those related to government payments and perhaps other unknown interferences.

Company response to consumer: Closed with explanation