Consumer complaint received 2023-09-22
Company: Credit Karma, LLC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had to dispute many charges on my account that started in XXXX. In XXXX they denied some disputes and granted others even though they are from same merchant, same type of online purchase and similar amounts. 
I had to fight to appeal the denied disputes because it was stated that they were denied due to Regulation E, which is incorrect they are all online purchases. That was eventually overturned and appeal was successful. 
Now in XXXX I noticed more of these online purchases from same merchant and same type starting in XXXX to XXXX. 
I again dispute these transactions. 
I again was denied stating regulation E. I again emailed Credit Karma, called, chatted on the support to get help with appealing. Emailing all of my proof showing it was all online purchases and the same exact merchant from the previous successful appeal. 

They will not call me to speak to me only send emails I can't respond to. I contacted XXXX XXXX XXXX. They did not respond to XXXX. I told them I contacted XXXX XXXX XXXX and emailed the corporate office, the very next day they froze my account and now closed it. Which I believe is in retaliation. 

Below are emails I sent to them asking for help. 


I need help please. I'm trying to solve this with credit karma. The only other thing I know to do is call my attorney. 

My account was closed in retaliation and my disputes were incorrectly denied. 

Tell me who I can talk to about this? Who can call me? Because whoever is handling this is not understanding the emails and attachments. 

There were disputes in XXXX Dispute ID:XXXX. I had to appeal and ensure information was correct. 

This is exactly what I'm doing now with dispute id XXXX, XXXX. 
Same merchant, similar amounts exact reason as above, dispute that it was denied. I appealed Dispute ID:XXXX and it was approved. 

Now with dispute id XXXX, XXXX. Im being told several different things by several different credit karma customer service. 

Why can't someone call me so we can straighten this out? 

I'm being lied to by credit karma customer support. 

So my account was closed in retaliation. 

I did not mess up on the disputes. You can't tell me the disputes are successful and some not successful due to regulation E when they are all same merchant and type. 

I'm on XXXX. My XXXX can't be change till XXXX. It takes a month. My XXXX will come to my credit karma account in 9 days. I need to be able to transfer that out or I can't pay my rent and risk losing my housing. All because credit karma was wrong on some disputes and decided to retaliate and close my account. 

These disputes were of similar dollar amounts to the other disputes. The other disputes ( see attachments ) were also investigated and I also had to appeal them because they were denied originally stating the exact same thing Regulation E as these disputes. 

So again I'm told information that is different than before and incorrect from what other customer service told me. 


If you review the attachments you will see the proof that the other ones were investigated appealed and approved as I am doing now with these. 

Exact same purchases, merchant and price. 

What evidence supports the denial of the disputes? I'm formally requesting all information from the investigation. 

The PDF states regulation E, however these disputes are electronic transactions. 

Again these disputes are exactly what happened last time in XXXX. And last time I went through this same exact thing and they were investigated. 

I don't care the account is closed. This is in retaliation for contacting corporate office and XXXX XXXX XXXX. It just so happens the day after I inform credit karma customer support I contact corporate and XXXX my account is closed. 

I'm done with credit karma. I want the money I'm owed from these disputes. 

I need to appeal this yet again. This happened last time. I expect it be approved as before and fixed much faster than last time. 

See attached PDFs I need to talk with someone about these disputes. All the others were successful. Why when these that are with same merchant and type of transaction are unsuccessful. I never received an email asking for information about this dispute id. 

These are unauthorized electronic transactions and would be covered under Regulation E These disputes for dispute id XXXX, XXXX was not researched correctly. 

I need a response before I contact the corporate office. 


You see attached the PDF of the unsuccessful disputes. 

Also attached is a screenshot of a successful dispute which is exactly the same kind of transaction as the unsuccessful ones. These are some kind of online game. All transactions were done online XXXX XXXX XXXX

Company response to consumer: Closed with explanation