Consumer complaint received 2022-06-29
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My last transaction was withdraw of {$200.00}. 
Any after where unauthorized : charges in dispute in the order they occur XX/XX/XXXX {$85.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX CA US {$130.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA US {$150.00} XXXX  XXXX, XXXX XXXX XXXX CA US {$170.00} XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX {$49.00} XXXX XXXX XXXX XXXX XXXX, XXXX, CA US {$60.00} XXXX  XXXX, XXXX XXXX, CA US {$12.00} XXXX XXXX, XXXX XXXX, CA US {$100.00} Withdraw, XXXX XXXX, CA US My complaint is with Credit Karma. Credit Karma is not a bank. They partner with XXXX XXXX XXXX  XXXX to provide banking services supporting Credit Karma Money Spend and Credit Karma Money Save accounts. They promote On XX/XX/XXXX I lost my wallet which had my Credit Karma Checking card. Im not going to go into details about it but my card was used 8 time after I had lost it. I reported the unauthorized charges to Credit Karma the XXXX XXXX.The card had never been use prior to the XXXX. I told the representative I did and only did the first XXXX transactions. with the withdraw of {$200.00} being the last transaction I did. I transactions after the withdraw where not done or authorize by me. I had the representative close my card, and send a new card since I no longer had the card anymore. Unfortunately I do not write the report or do get an opportunity to proof read what wrote down before she process my claim and didnt think I had to because if there are any issues or questions or error, they can call me. 
Whats Credit Karma did to me wrong, its unprofessional, deceiving people and practicing bad business that suits there best interest. Lets me explain. 
Claim Facts : 1 ) The card had XXXX transactions. 
1 ) I did the fist XXXX transactions and they where the only transaction I did on the card. 
2 ) Width draw of XXXX was my last transaction. 
XXXX ) I reported my card was lost XXXX ) Canceled and order a new card The representative only put XXXX charges instead of XXXX. It was a withdraw of {$100.00} which accrue after the transactions she had only put on the claim report. This is where Credit Karma scheme comes in play. They knew there a mistake in the claim. Since the mistake benefited them because it then a reason deny me. There is no other reason that they had after reading the report that would make one believe it was not a mistake. 
The report says I only did three transactions not 4.

They knew I cancelled my card and I had new card sent to me. This could only mean I dont have my card any more. 
If the company acting in good faith they would have reach out to me and double check which transaction I did without telling me the transaction that is being question if I did it or not. The company was not acting in good faith they where not interested in finding out the truth. They wanted a reason not pay me. Once the decision was why would they over turn it I am telling them I did not make the withdraw. Does it make sense to pick what the representative wrote down over me. 
Thats ridiculous. Only I knew my card had unauthorized charges and it wasnt until I informed them about it that they came aware of the charges. 

dont know how they believe I found the card and was able to make the last width draw. 
For these reasons I feel company has probably been doing this kinda scheme and been getting away with it. It not right for them of taking advantage and bullying people that they fell they can get away with it. For 45 day straight I would call and plea my case and inform them and all I would get was the run around. At the end they decide to my account without my permission, thinking I would probably go away.

Company response to consumer: Closed with explanation