Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: CT

Complaint narrative:
On the evening of XX/XX/year>, I received a phone call from an XXXX caller asking whether I had authorized a {$350.00} purchase on XXXX. I did not make this purchase. During the call, I received a verification code and, believing I was speaking with a legitimate representative, I provided the code. Almost immediately after doing so, I felt that something was not right. I promptly contacted Credit Karmas customer service and spoke to a live representative to report what had just occurred. At that time, the representative reviewed my account and stated that there were no pending or suspicious transactions visible, so no immediate action was taken. Approximately 20 minutes after ending that call, I began receiving multiple notifications from my online banking account showing unauthorized transactions being processed. These transactions were occurring in real time and were clearly not made by me. Additionally, the charges originated from XXXX, while I am located in the United States and have not conducted any transactions in XXXX. The unauthorized transactions began as follows : {$360.00} XXXX XXXX XXXX XXXX XXXX, CA {$360.00} XXXX XXXX XXXX, XXXX, CA {$370.00} XXXX XXXX XXXX, XXXX, CA {$360.00} XXXX XXXX XXXX, XXXX, CA {$380.00} XXXX XXXX XXXX, XXXX, CA Additional International Card Fees associated with these transactions As soon as I saw these charges occurring, I immediately called my banking institution again while the fraudulent transactions were actively posting. I informed the representative in real time that these were unauthorized and that I did not make them. I explained clearly that : I did not authorize any of these charges. The transactions were international and inconsistent with my activity. My life savings are in this account. I have children to support and essential bills including rent to pay. During this call, I was extremely distressed and asked whether anything could be done immediately to stop the charges. I was informed that the bank could not dispute the transactions because the funds were on hold status at the time. However, despite being described as on hold, the funds were still deducted from my spending account. I was told that the transactions would need to fully post before a formal dispute could be initiated. I repeatedly expressed urgency and concern, hoping immediate action could be taken to prevent further loss, but was advised that nothing further could be done until the transactions completed processing. As of now : An investigation is in progress. My account has been frozen. My life savings remain inaccessible. I am formally disputing all of the above-listed transactions, as they were not authorized by me in any way. I reported the fraud immediately upon discovery and contacted my banking institution both before and during the fraudulent activity. I am requesting : Full reimbursement of all unauthorized transactions and associated fees. Immediate review of the account freeze. Access to uncontested funds needed for essential living expenses.

Company response to consumer: Closed with non-monetary relief