Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: WA

Complaint narrative:
This is a continuation of complaint XXXX regarding the unreceived funds from my account which Credit Karma froze then closed with no provided explanation. I filed the original complaint on XX/XX/XXXX after having not received the balance of my account yet despite the account being closed last XXXX. Credit karma has been completely non-cooperative and non-responsive to all communication attempts. Part XXXX to this complaint is that they took an entire XXXX months to respond to my initial complaint, only responding that they would send the balance of my closed account on XX/XX/XXXX. I believe that this was intentional and done purposefully to delay the return of my money as long as physically possible. The delay in the response to that complaint along with the reason for this complaint - that I have still not received those funds and that they have remained non-responsive and non-communicative to my attempts to get them to follow through and send me the balance of the account as of today XX/XX/XXXX- is evidence of intentional wrongdoing on XXXX XXXX part and an intentional attempt to profit by failing to return funds from accounts which they close without reason or precedent. I feel strongly that legal action should be taken against this company and suspect that there are many others like me who entrusted credit karma with their money only to have their accounts closed and their money withheld. 

Part XXXX of my complaint is that despite their response to complaint XXXX sent on XX/XX/XXXX, it is now XX/XX/XXXX and they have neglected to return the funds even still. I did receive an email from them on XX/XX/XXXX - as a response to the emails Id sent XX/XX/XXXX and XX/XX/XXXX requesting the return of my account balance which had previously gone unanswered, evidencing that they not only received those emails but were aware of the emails and their contents and chose to withhold the funds and leave my attempts at communication unanswered - asking me once again to verify my mailing address. As I was explicitly clear both in my many messages to them and my complaint XXXX what my current mailing address is and that is where the funds needed to be sent, I feel that email was only sent to provide the illusion they were being cooperative. I responded immediately to that message sent on XX/XX/XXXX with my mailing address and once again requesting an ach transfer so I could receive my funds as quickly as possible. Then I heard absolutely nothing until a full week later on XX/XX/XXXX. XX/XX/XXXX they responded once again denying my request for an ach transfer but saying the check could be sent expedited and would arrive in XXXX business days. Once again, I immediately replied also on XX/XX/XXXX agreeing to the expedited check and requesting that it be sent that same day. I never received a response to that email. 

On XX/XX/XXXX, almost XXXX weeks after their email saying theyd expedite the check and Id receive it in XXXX business days, I once again responded stating the check had still not been received and demanding the tracking information for the supposedly expedited check be provided to me. It is now XX/XX/XXXX and I have still never received my check nor have I received a response. I can only draw XXXX possible conclusions : either this is an intentional act of neglect committed in an attempt to permanently keep the funds from my closed account or to keep them for their own investment purposes as long as physically possible, or this company is so poorly run they are unable to operate within legal guidelines and need to have their license to operate as a financial institution revoked. 

At this point in time, I am now seeking XXXX simultaneous outcomes as the conclusion of this current complaint. The first outcome is I want my funds returned to me immediately with no further delay. The second outcome is I would like to be informed what additional rights I have in this situation in so far as filing a suit against credit karma as I feel strongly that I am owed additional compensation and also strongly suspect that their actions are completely illegal in nature and that they need to be held legally accountable for their actions and be fined in accordance with current laws to the maximum extent those laws allow regardless of whether I receive any compensation for the endurance of their actions or not. I find it impossible to believe I am the only person who has found themselves in this situation and I imagine there are thousands more like myself who are currently owed money by credit karma but are unaware of their rights, how to exercise them, or the existence of this CFPB and the ability to submit complaints such as this.

Company response to consumer: Closed with monetary relief