Consumer complaint received 2024-04-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TN)

I received my tax refund as well as my payroll direct deposit on XX/XX/XXXX. I transferred {$1200.00} and {$1100.00} from my checking to savings account internally. The XXXX of XXXX {$1100.00} was taken out of my savings account and I was sent an email that I made a deposit from and external account that is linked which is XXXX Bank with Chime. I never have money direct deposited to the XXXX account only the XXXX Credit Karma account. I only have transfers to the external account to pay bills with. No bank account would send a $ XXXX deposit and it be available within the account it was deposited in. I will attach documentation of this being done. I also spoke with XXXX Bank and they said they had no transfers listed out of my account to my Credit Karma XXXX Bank account. I also have my statement showing this as well. I have had XXXX emails and hours of being on the phone with credit karmas dispute department and they sent me the wrong forms to fill out from the first email that I received about it. It is not listed as even a dispute being investigated on my account even after over a month. They say I am only able to correspond to them about this issue via email. If I call I am passed around to up to XXXX people in XXXX phone call bc nobody can give me any information about this matter. I also filed a dispute for my account being hacked into and money being transferred and taken out of my account paid via cash app to a XXXX XXXX someone who I have never paid money to through any account and I called and disputed this immediately. The person that got into my account also text me from a XXXX number telling me they stole my money. I have not been able to pay my water, electricity, food, car payment or any other bills that are necessities for day to day living since then. Ive had numerous bills being rejected and I am now XXXX months behind on my bills, have no water or electric and have a child. I have no resolution or response from credit karma about my first dispute. The disputed I originally filed was the XXXX of XXXX and have not gotten any provisional credits for this. My second dispute was made on XX/XX/XXXX moments after my account was hacked and all my money taken out as I was looking at them do it on my app in the amounts of {$19.00}, {$270.00} and {$49.00}. Credit karma said they would issue me a provisional credit by XX/XX/XXXX for those amounts. That is past the 10 day period as well as my first dispute which Ive not been issued any provisional credits towards and no contact or resolution about this. I have had to freeze my credit, credit karma closed my save account without my knowledge, consent or any correspondence from them about it. Once I was able to log back into my account after 5 days of being locked out i saw how many bills that were on auto pay were rejected and not paid and Ive incurred hundreds of dollars in late fees due to this. There should not be any banking company that should be allowed to ask for me to confirm my identity via license and pictures sent through a link. I had to do this same process XXXX different times in the past month. I have proven who I am and they finally unlocked my account so I can see all my transactions which look very incorrect to me.