Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Credit Karma, LLC
State: MI

Complaint narrative:
I emailed credit karma on XX/XX/XXXX and this was their response XX/XX/XXXX, in addition to credit karma walking me through the steps on how to reopen my account. 

Two days later, XX/XX/XXXX, i reached out again after being told my issue was being escalated and that someone would be in contact with me : XXXX XXXX, Thank you for contacting Credit Karma member support and for your patience as your case was escalated to my team for review. 

The purpose of this email is to make sure that your concern and inquiry gets solved as I do understand how important it is for you to open a Spend account, I'm here to assist! 

To open your Credit Karma XXXX XXXX XXXX  : Visit the Credit Karma XXXX XXXX home screen while logged into your Credit Karma account. 

XXXX XXXX if your personal information looks correct If it is incorrect you can update your personal information in your profile. 
Confirm your mailing address is correct and select Confirm. Select Edit if you need to change your mailing address. 

Verify your phone number on the following screen by selecting Confirm Read and agree to the E-Sign consent and account agreements by checking the boxes.

Select Accept and create my account.

After our system validates your information you will have a Credit Karma Money Spend account!

If youd like a Credit Karma Visa Debit Card sent to you, youll first need to fund your Credit Karma Money Spend account with a deposit and confirm your mailing address. Easily access your available funds with your virtual card until your new Credit Karma Visa Debit Card arrives.

Now if for some reason it is not letting you, you can try this basic troubleshooting : Try checking for software updates on your device and make sure the app is up-to-date Log out of your Credit Karma account and back into your account again Restart your device Clear the cache/cookies from your browser and try again. 
Try using a different device or browser.

Additionally, make sure you are accessing your account within the U.S. and not using a Virtual Private Network ( VPN ).

Please feel free to leave any other questions or requests you may have, we will be more than happy to review it for you. 

Thank you for being a Credit Karma member. 

Best regards, have a wonderful day! 
Credit Karma XXXX XXXX Credit karma closed my money spend account without my consent and is refusing for me to reopen my account for me to do proper business. It is appalling and I have escalated this matter with no one able to assist me. Ive been tossed around as if they are not capable of doing their job properly. 

They are paying people to milk the clock instead of tending to the needs of its customers. 

My account has been in right standing and Credit karma does not have a legitimate reason to have closed my accounts and not allow me to reopen them. 

They simply said ITS AT THEIR DISCRETION TO CLOSE ACCOUNTS DO NOT CONTINUE TO USE THEIR SERVICES. THEY ARE NOT A GOOD COMPANY TO DO BUSINESS WITH. 

This was their response : However, upon checking in our records it seems you had a Spend account with us which was closed, accounts can be closed for a variety of reasons and XXXX Bank XXXX XXXX, Member FDIC, reserves the right to close accounts at their discretion. You might be able to open a new Money account, however, if the error you are getting keeps appearing, it may be that at this time you are not able to open a Credit Karma Money account and we can not serve your financial needs.

I understand it may be disappointing that we couldn't open an account for you. We are working to improve this process so that more of our members are able to open accounts. We are so sorry for this inconvenience. 

Please remember, you can continue using all the benefits that Credit Karma offers to you, like keeping an eye on your Credit Scores and Reports for free and some other features that you can find on our website. 

BUT THEY WANT ME RO CONTINUE USING THEIR SERVICES AT THEIR CONVENIENCE AND NOT MINES, WHEN ITS MY ACCOUNT NOT VIOLATING ANY POLICIES. 

What a nice way to put that : You had an account we closed it at our discretion Without your consent and you cant reopen it because we said so. 

Nice. 
Tell me, who are you serving again? Us customers of yourselves?

Company response to consumer: Closed with explanation