Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I started Credit Builder with Credit Karma last year. The claim if you do it will raise your score XXXX to XXXX points and it does not. I started with having them take {$40.00} a month out of my account then changed it to {$80.00}. Starting XXXX they took {$40.00}, XXXX could not pull it an error occurred, XXXX {$40.00}, XXXX {$40.00}, XXXX {$80.00}, XXXX, {$80.00}, XXXX {$80.00}, XXXX {$80.00}, XXXX {$80.00} with a total of {$520.00}. But they claim that is only {$440.00}. Then they already took out for XXXX but each month they take out at the beginning but do not put it in your account until the end of the month! So they take the money and sit on it for a month! I verified they got the money out of my credit union account so they have it. So on there site they " claim '' the only way to contact them is email or online chat. I tried online chat they claim the department that does that is not in. They are never in. They claim to expedite my question and nothing happens. So I searched online and found a consumer complaint page that lists XXXX as THEIR number! And you call it and it is! So they lie there is a number they just don't want anyone to know about it. So I called same thing well that department their not in. So asked for a supervisor whom one more time assured me they would expedite this as highest priority! And nothing! The hold your money hostage, have incorrect amounts and one guy in chat claimed it was correct even with the dates and amounts I gave him! I told him your math is off! He insisted it was correct and disconnected the chat so I have chatted 3 times, sent multiple emails and 2 phone calls to get nowhere. Today they send me an email saying your complaint is being reviewed and we will provide you with an update to your XXXX complaint! I have not complained to the XXXX  as I know they can not do anything! I complained to FTC and you! So you never get anyone to answer you! One answered me by saying they do not have anything to do with credit scores when that was not even the issue!! I have no idea why they pay these people that do not do anything and can not answer anything. I had problems with XXXX another XXXX XXXX this year so something is going on with them. I found out they paid out XXXX XXXX to consumers for false information which I am hoping the FTC gets them for lying and saying it will raise your score to do their Credit Builder. Then if I stop it and take my money out, one I have no idea how to do that and it will put a ding on my credit report! So they got me! Have my money hostage. And the dates I gave you are the dates THEY show as the day they put the money in! The actual pull of all that money is anywhere between the XXXX of the month or the XXXX. So there doing something with my money collecting interest or something as why would they hold it all month! I want everyone to be aware this is how they work. You can even google how can I contact Credit Karma by phone and it says you can not which is a flat out lie! If it were not for some consumers getting mad and somehow finding it I would not have it. So they don't want you to have that access. And have the time the chat says XXXX minute wait and no one ever comes on!! This is such a scam!! Beware to others there is useless customer support! I have attached screenshots of their website showing them saying {$440.00} but showing the withdraws they show and I confirmed with the credit union I copied them so they could not lie... I did get one email saying I can help you but need to verify who you are with your last 4 of social security so I did and once more nothing!

Company response to consumer: Closed with monetary relief