Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Starting a new case on XXXX since it seems it closes after a company response. Doesn't seem like providing feedback will make a company respond ... just it's shared with them. 

I made the mistake with the {$740.00} not being reflected in my spend account. After the monthly statement was generated for XXXX, I was able to see the fradulaent charges/withdrawls took from that {$740.00}. So no action needed there. I assumed it was funds not available for use while posting. Especially since it was one day into the transfer request. As for the interest charge of {$37.00} from XXXX XXXX, ( since the funds never posted with the fradulent activity ) the {$740.00} was the " ACH transfer/payment ''. It shows to XXXX XXXX in the details. That should have been obvious when mentioning it was denied because there were no transfers to XXXX XXXX. As for the {$9.00}, ( XXXX {$4.00} ) that was because I transferred the remaining {$160.00} that wasn't spent in my spend account after the fraudulent activity to my XXXX XXXX XXXX. They decided to charge two monthly maintenance fees on an account with {$0.00}, when their FAQ mentions to leave an account at {$0.00} to have it eventually closed out. Another complaint for another day. XXXX in general just built on shady and lax behavior. 

As for communicating with support on XX/XX/XXXX. I kept waiting for support to respond by email. At times starting a new case to get ahold of anyone quicker. Next to nothing. And when there was a reply, it was for the last four of my social. Then nothing after that too. I got impatient then and called XXXX on Friday XX/XX/XXXX and kept getting " Sorry, my wires got crossed. Please try again. '' with the IVR system asking me what my concern is. Even pressing XXXX gave the same response. Tried again Sunday even though I was going to wait until the workweek.Got ahold of someone that then said they had computer issues and would call me back in 3 minutes. Nothing after XXXX, so I called back. Then told by that agent it'd be best to call back Monday XXXX. They provided some clarification at least. 

Then on Monday I called and kept getting bounced around to departments to get the call dropped without ever reaching the XXXX XXXX. Called again and the agent did a three-way call with the XXXX XXXX before XXXX transferring. Finally got my account unfrozen. She even deactivated physical and virtual debit cards on my acccount. Shocking! I asked to do such on XXXX XXXX and kept getting bounced around departments on such a request. Last agent stating, " I understand you want to disable your debit card and mobile wallets? '' Only to completely not understand the issuewith me constantly asking in various ways if helpdesk support has tools to disable features from my account... I don't want a debit card or mobile payment options enabled. It went nowhere. 

At this point I'm not concerned with a few dollars in lost interest as I'm moving my money out of Credit Karma. The whole ordeal was the worst banking experience ever. The only issue I had before was over 10 years ago with XXXX XXXX sending me a {$30.00} collection notice months after closing my account and then telling me a subscription charge went through on a closed account. Other than that, not much in fradulent activity with credit or debit cardsand when it did, it was less than {$100.00} because ithe card would get locked with multiple out-of-state transactions. I've been with XXXX XXXX, XXXX, XXXX, XXXX, and the XXXX XXXX XXXX. The last fradulent activity being with the XXXX XXXX about two years ago where it was used at an online clothing retailer for about {$40.00}. XXXX quickly resolved it without issue there. But afterwards is when I started using Privacy.com to use one-time use credit card numbers for each site or transaction. Which is why this occurence is concerning. I DON'T ever use credit or debit card numbers online anymore. Just XXXX and XXXX ( when merchants don't offer a XXXX option ). In-store purchaces I just use cashback credit cards.

Company response to consumer: Closed with explanation