Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: LA

Complaint narrative:
On XX/XX/2023, I made 3 separate online purchases from a XXXX XXXX seller, XXXX ( merchant billing name is XXXX XXXX ), in the amount of {$40.00}, {$3400.00}, & {$40.00}. Each purchase was for an item the size of golf cart designed as a " mini car '' complete with air conditioning, headlights, doors, etc. 

Another purchase was made through another XXXX XXXX XXXX XXXX ( merchant billing name is XXXX XXXX ) in the amount of {$36.00}. This item was for XXXX XXXX XXXX '' Zero Turn Riding Lawn Mower. 

Neither of the merchants ever shipped the purchased items to my home address or my mother 's home address. Cancellation emails were sent out to each merchant since I had discovered that a gang of XXXX merchants were using XXXX XXXX to alleged sell merchandise which was never intended to be shipped. 

On XX/XX/2023, I contacted Credit Karma to dispute the purchases on the basis of items ordered, but never received, cancellation of orders, and the merchant committing credit/debit card theft and bank fraud. 

On XX/XX/2023, Credit Karma issued an online .pdf file of a Notice of Final Determination indicating that " no error occurred '' ; however, at this point, Credit Karma had made no contact with me asking for any supporting documentation or evidence to support my claim.

The ONLY ways, that I was able to communicate with Credit Karma was via online chat or a toll free number. I repeatedly called and chatted, even providing supporting documentation of the items purchased, the size of the items and documents verified by the USPS, which was postmarked and signed by a USPS Postal Employee that distinctly mentioned the dates of purchase, amount of purchase, item purchased, and date the merchant alleged the USPS had made a delivery to an address within the same zip code, but NO USPS Tracking Numbers were ever provided by the merchant.

The document postmarked and signed by the USPS Postal Employee verified that no such shipment or delivery was ever made by my local USPS Office.

I have NOT been able to speak with the disputes division of Credit Karma because they only communicate through email. I did email lots of supporting documentation including the two documents from the USPS verifying no deliveries were made by the USPS.

I still heard nothing from Credit Karma and I have requested copies of ALL documents that was used to deny my disputes on at least three separate occasions, even sending an email to XXXX, indicating that Credit Karma had closed the disputes, which I had to reopen the disputes case and requested copies of the documents used to deny my claims and since that email was sent on XX/XX/2023, there has been no communication from Credit Karma. 

The XXXX has stated that they are aware of a XXXX XXXX scam by XXXX merchants allegedly selling items online but NEVER actually shipping the purchased items ; however, the XXXX merchants will ship a much smaller item weighing an ounce or two to a different physical address within the same zip code and use the same USPS tracking number for the larger item that was never shipped. Since no USPS tracking number was provided to me in regards to the above disputed purchase, the only way I could " track '' a shipment was to go through a link provided by the merchant, which was through a XXXX owned website where these merchants controlled what was entered into their tracking system. 

The merchant would use an identical tracking number of an item that would be small enough to fit within a mailbox and meets the size restrictions set by the USPS for shipping and delivery. Basically, the merchant sold me " sold me empty space ''. This was verified by the USPS using their geo-location tracking system which confirms the actual address where the USPS made a pickup or delivery. No deliveries from the merchants were ever made to address. 

After sending all of the supporting documentation to the disputes email address and the legal email address, Credit Karma made no attempt to literally investigate my claims regarding the disputes because on XX/XX/2023, Credit Karma issued a " final determination that no error occurred '' despite having the verified information from a federal agency, the USPS, which the merchant alleged was the actual delivery agent of the alleged shipments.

Credit Karma is operating as a financial insitution but is NOT legally operating inside the laws set forth by Congress or the US Treasury. 

I can say that I had made other purchases using other financial institutions such as XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and even a debit account with XXXX  and each of those institutions found that the purchased items were never shipped nor handled by the USPS as the merchants alleges. IF these other financial institutions can resolve a dispute with the exact same circumstances, then why is Credit Karma refusing to accept the USPS verification and other supporting evidence as fact instead of relying on a foreign tracking website that did not even list a delivery being made to my address or my mother 's address with the actual USPS tracking number?

The reason is simple. By providing the USPS tracking number, the USPS can verify with 100 % certainty the location of the delivery, how big was the packaged delivered and who purchased the USPS tracking number and where the tracking number was shipped from within the United States.

I am seeking a total refund of the fraudulent sales made by the above listed merchants and I am also requesting that the CFPB issue corrective measures to Credit Karma AND disclose this issue to Congress AND the FBI since it is a wire fraud, bank fraud, mail fraud, identity theft, and online sales fraud on an international multi-million dollar scam that Credit Karma appears to be supporting by denying my disputes claim.

Company response to consumer: Closed with explanation