Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I have been a member of credit karma for over 4 years now. I have a direct deposit of my monthly service connected XXXX check that I receive every month from the Veterans Affairs Treasury department for a XXXX that originated from my military service. This deposit has been set to be deposited in this account since XXXX or XXXX of XXXX Credit karma has an incentive program that they offer in which the longer you have an active direct deposit setup with your account, Credit karma will release your funds into your account early. The longer the direct deposit is setup, the sooner you can receive your funds. The max you can receive funds up to is a week early max. First off, I never asked to receive this promotion. Credit karma took it upon themselves to begin doing this. I never had any issues with this up until around XXXX or XXXX of XXXX. When I began my last full-time job in XXXX of XXXX, I originally had my weekly direct deposit also being direct deposited into the same account. However, at that time the only way to reach Credit Karma was via email, and it took forever to hear a response. I didn't like that It was soo difficult to contact a company that held my money, and I let my opinion be known to credit karma. I received no response to my inquiry, so I moved my weekly direct deposit from my job and opened up a XXXX  checking account. I left my monthly direct deposit alone because at this time I was receiving my monthly XXXX check 1 week early. That is until after I moved my weekly direct deposits to a different bank. After I did that the days began to vary anything from 3 to 7 days before the XXXX. At the time this was a slight neusance only on weeks where my full. Time job was slow. However, I lost my job due to a XXXXXXXX injury this XXXX, and used my XXXX XX/XX/XXXX XXXX XXXX  to go back to trade school. I have been enrolled and an active student since XX/XX/XXXX. I do not currently have a job and I am currently living on a fixed monthly income that is disbursed from the Veterans Affairs Treasury department on the XXXX  of every month. For the last 4 months my deposits have varied anywhere from 3 to 7 days early. With credit karma not releasing these funds on a consistent basis every month, wether it be early or on-time does not matter to me. I just need it on the same day every month, so I can set a proper monthly budget and manage my finances accordingly. 3 out of these last 4 months I have gone without food or gas for the entire last weekend. Along with that, im currently in the middle of a bitter divorce. I have contacted customer support at least 100 times and every time its always the same exact carbon copy response. I truly dont believe they train their customer support agents on anything. Ive been hung up on, transferred back and forth countless times. Worst of all, I have been consistently told this same lie every single time over and over and over. That my direct deposit is most likely being delayed by external issues outside of credit karma. Idk about you, but i have absolutely no earthly idea how an external situation can dictate how a company chooses how early they will release someone's funds into their account. And as for any warning about any change in this, none was ever given. I am currently looking for a different financial institute to bank with currently and can not wait to get away from credit Karma. I feel like they allure to people who are new into finances and people with bad credit. Once they get them enrolled they offer little to no personal customer service. Anything that hurts their bottom dollar line on their quarterly reports they discard. They're customer service is not professional or competent at their jobs at all. I truly believe this issue i am having with the inconsistentcy on when I receive my direct deposit is a direct response to me moving my direct deposit to a different bank. I've expressed numerous times to credit karma how this puts me in a bind, and to be truthfully honest I feel like they are doing it deliberately because they know the situation it does cause me, and they do it deliberately because they know there is nothing I can do about it except leave. Which at this point I feel like that's what they want. To get rid of me, because I have called them on their XXXX  numerous times, and they know they cant lie to me anymore. Easiest solution is to XXXX me off to the point of leaving. Which is why I am contacting you guys.

Company response to consumer: Closed with explanation