Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: MA

Complaint narrative:
XXXX XXXX kept sending emails stating I didnt respond to their emails, when I did and they closed the claim. I have responded every time to the unreasonable claims that I did not respond, every single time. It was like they were deaf and went ahead and closed the claim anyway its is obvious that they were all sent by automatic response and no review of the claim was ever made. Theres no intention to pay the claim, only satisfy your requirement to respond to the said claim. 


Email # XXXX My response on XX/XX/XXXX : Its done, thanks. 
-- -- -- -- Original Message -- -- -- -- On XXXX XX/XX/XXXX at XXXX Credit Karma Member Support XXXX wrote : Hi XXXX, Thank you for reaching out. It is greatly appreciated. 
I understand that you applied for a credit card with the XXXX XXXX banner in XXXX and you never received your {$50.00} payment. 
To be eligible for a XXXX XXXX payment, we would need you to enroll into XXXX authentication ( XXXX ). XXXX authentication ( or XXXX ) makes it harder for someone else to get into your XXXX XXXX XXXX account XXXX even if they have your password. To use XXXX, you need to link your phone number to your XXXX XXXX XXXX account in your Security Settings. Please let me know once this has been completed. 
Regards, XXXX XXXX XXXX XXXX ref :! XXXX.! XXXX : ref Email # XXXX response sent on XX/XX/XXXX : Below is the only email you sent me, I responded back saying that I set up XXXX factor verification. 
It seems like you are trying ways to not pay {$50.00} by saying I didnt respond to your correspondence. 

Thank you for reaching out. It is greatly appreciated. 
I understand that you applied for a credit card with the XXXX XXXX banner in XXXX and you never received your {$50.00} payment. 
To be eligible for a XXXX XXXX payment, we would need you to enroll into XXXX authentication ( XXXX ). XXXX authentication ( or XXXX ) makes it harder for someone else to get into your XXXX XXXX XXXX account XXXX even if they have your password. To use XXXX, you need to link your phone number to your XXXX XXXX XXXX account in your Security Settings. Please let me know once this has been completed. 
Regards, XXXX XXXX XXXX XXXX ref :! XXXX.! XXXX : ref Sent from XXXX Mail for XXXX. 
Then they send me this request that I asked for how to comply/ clarifications. 
They finally send me the following email : Email # XXXX : Hello XXXX, We contacted you a few days ago to see if you had a chance to review the latest update from Member Support at XXXX XXXX. 

We havent heard back from you, so as a result your support request has automatically been marked as closed. It is possible that you XXXX receive a survey. 

However, if your case is not yet resolved, please reply to this message directly so that we can continue working with you on a resolution. 
Here are the details for your reference : Case Number : # XXXX Case Subject : Karma Guarantee Date Case Opened : XXXX XX/XX/XXXX Thanks for using Credit Karma! 
Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief