Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: ME

Complaint narrative:
On XX/XX/year> I noticed my account was locked and called Credit Karma to find out why, when I called they informed me that my account was being closed and would not provide me with a reason why. They then said that Credit Karma would send me an email with an explanation as to why in XXXX business days. Credit Karma on XX/XX/year> then sent me an email stating Dear XXXX, We thank you for selecting Credit Karma Money, powered by XXXX XXXX, Member FDIC ; however, we regret to inform you that we are unable to serve your financial needs at this time. 

Your Spend and/or Save account will be closed, and if your accounts have a balance when we close them, we will return the funds to you, via ACH Transfer to your linked bank account or by mailing you a check, within the next seven to ten ( 7-10 ) business days. 

If you have filed any transaction dispute ( XXXX ), you will be receiving the final determination letter ( s ) separately, in compliance with law. Your closing balance, if any, will include your final credited amount ( s ).

To allow for closure, your Spend and/or Save account, as well as your debit card have been locked. Any automatic recurring deposits have been removed and no further withdrawal requests will be honored. 

Based on this closure, we request the following : Please destroy any debit card ( XXXX ), physical and virtual, associated with the account ( XXXX ). 
Please stop scheduling payments or transfers or conducting any ATM or debit card transactions. 
Please cancel any direct deposits, external automatic or recurring transactions, or any other type of electronic transactions you may have set up for this account ( s ).

Any transactions that are presented to your account ( s ) after it closes will not post and will be denied or returned. This includes deposits, electronic credits or debits, transfers, ATM withdrawal requests, and PIN or XXXX debit card transactions. 

If you return, chargeback, cancel, dispute, or otherwise request a refund for a qualifying purchase for which you have already received Credit Karma Money Rewards, we reserve the right to offset any related Credit Karma Money XXXX amount from your Credit Karma Money Spend Account balance or withhold future Credit Karma Money XXXX to cover any such amount. 

If you are unable to log into Credit Karma ; your entire Credit Karma relationship may have been closed. This includes your Money ( Spend and/or Save ) accounts, XXXX XXXX account XXXX as well as your free credit report access. If you need access to your Money Spend and/or Save statements, or related tax forms, please contact member support There was still no explanation as to why so I then called Credit Karma on XX/XX/year> in hopes I could get an explanation as to why and recorded the phone call. After being hung up on several times when calling in finally got ahold of someone and was told I dont have any legal right to know why my account was closed.

Company response to consumer: Closed with monetary relief