Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: IN

Complaint narrative:
Okay this might be a little lengthy so I apologize in advance but it definitely needs to be discussed. My name is XXXX XXXX and I filed my taxes this year, XXXX on XX/XX/year>. I am a single mother who was working XXXX job and I've never had any issues with my tax refund or XXXX or the irs. This year I became aware that XXXX was teaming up with Credit Karma. And at the end of filling out my tax forms, Credit Karma asks if we want to put our deposit on a spend account card from them. I said no thanks I just want it deposited into my account. So I chose just my regular bank account, which is exactly the bank account on my tax return. The IRS shouldn't be telling me any other bank information except the bank information that is on my tax return. It is now XX/XX/XXXX, and I have been informed that my entire tax refund got put on a credit karma spend card without my consent and without my knowledge at all. I didn't even have a credit karma account up until this. I have been playing phone tag with the irs, and my bank, and XXXX for the last XXXX weeks now, wondering where my tax refund is. I have shed tears out of just pure frustration because nobody was giving me any answers and everyone just kept telling me to wait but the days just kept going by and at that point I just refused to get off the phone until I got some answers. A woman at the IRS told me the account number that my tax refund got put into and immediately my heart sink to my stomach because what she was reading to me was in fact not my bank account number. I don't know what Credit Karma thinks they are doing just taking my money like that and putting it on XXXX of their spend account cards without my consent and without my knowledge to where I am just left in the dark with no clue where my money is or how I am going to get through these next few weeks. I am now Neck Deep in Insurance overdraft fees I could not take care of the responsibilities that I needed to take care of by the time that check got into my account, that's why I decided to do my taxes so early in the first place was so I could go ahead and get all of this important stuff done. So I just want to let everyone know what credit karma is doing and what they have done to me and I can tell you right now I will go the extra mile to make sure that they hear me! I am a very nice and gentle and calm person, like I said before I've never had any issues with anything like this before. But you can bet I am going to go the extra mile to make sure that this is handled and does not happen to anyone else because this has been an absolute nightmare. I am now so behind on bills all because Credit Karma wants to take my entire tax refund and put it on XXXX of their little cards without my knowledge? That is absolutely unacceptable and I will not stand for it. I chose at the end of my tax return for my money to just go into my bank account like always like all the years before this one. Credit Karma does not get to just decide for me. I have had it! 


This complaint is about the IRS and chime and XXXX and Credit Karma I don't know how any of these big establishments could ever let something like this happen this should be absolutely illegal.

Company response to consumer: Closed with explanation