Consumer complaint received 2025-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: NC

Complaint narrative:
Credit karma false advertisement. Fraud. 


This is an automated email from the Credit Karma Member Support Team Hello XXXX, We responded to your support request a few days ago. We havent heard back from you and wanted to see if we resolved your issue, or if you need more help. We look forward to seeing your response! 

Here are the details for your reference : Case Number : # XXXX Case Subject : Virtual Support case Date Case Opened : XXXX XX/XX/year> Thanks for using Credit Karma. 

Regards, Credit Karma Member Support Team Hi XXXX, Thank you for contacting Credit Karma Member Support. 

We appreciate your patience and we sincerely apologize for the time it has taken us to reach out back to you in regards to your Karma Guarantee concerns. I do understand this situation might be frustrating for you, and we do apologize for all the inconveniences this may have caused you.

We are happy to look into this further but would need you to provide documentation from the lending partner establishing that your application was declined, preferably a copy of the Adverse Action notice. This document should clearly state the reason you were declined. Well use that information to make a determination on your eligibility. 

I look forward to hearing back from you soon with the requested information. 

Regards, Credit Karma Member Support -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX XXXX [ XXXX ] Sent : XX/XX/year> XXXX PM To : XXXX Subject : Re : Virtual Support case : Case # XXXX [ ref :! XXXX. ! XXXX : ref ] Subject : {$50.00} Guarantee for XXXXXXXX XXXX XXXX Not Honored Dear Credit Karma Team, I applied for the XXXXXXXX XXXX XXXX under your advertised offer, which guaranteed approval or a {$50.00} payment if not approved. I was not approved, yet I have not received the {$50.00}, and my follow-up emails have gone unanswered. 

Please honor your guarantee and process the {$50.00} payment promptly. I have documentation of the offer and my application if needed. 

If I do not hear back within 7 days, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( BBB ). 

Thank you, XXXX XXXX On Thu, XX/XX/year>, XXXX XXXX XXXX XXXX wrote : When can I expect to receive my {$50.00}? This is not going to go away. 

On Tue, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX wrote : I expect a response. I'VE ASKED MULTIPLE TIMES ALREADY. WHEN CAN I EXPECT TO RECEIVE MY {$50.00}, OR DO I NEED TO TAKE LEGAL ACTION? 

On Tue, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX wrote : XXXX. When can I expect to receive my {$50.00}? 

On Sun, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX wrote : When do I get my {$50.00} since I was denied? 

On Sun, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX wrote : | Avant, XXXX | We're Sorry... 
XXXX XXXX XXXX XXXX XXXX, Utah Dear XXXX, Thank you for applying for a XXXX issued credit card through www.avant.com or another third party provider. Your application has been closed and we can not issue you a card at this time. 

XXXX branded credit products are issued by XXXX, so you may see a new inquiry from these institutions on your credit report.

If you would like a statement of specific reasons why we were not able to issue a credit card to you, please contact the application review manager at the address or email shown below within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request. 

XXXX c/o XXXX Attn : Customer Support - Card Application XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Your Right to Get Your Consumer Report If we obtained information from a consumer reporting agency as part of our consideration of your application, the name, address, and toll-free telephone number of each consumer reporting agency is shown below. The reporting agency or agencies played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at each consumer reporting agency listed below. You have a right to a free copy of your report from each reporting agency listed below, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report or reports you received is inaccurate or incomplete, you have the right to dispute the matter with the applicable reporting agency. You can find out about the information contained in your file ( if one was used ) by contacting : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX Information about Your Credit Score In addition to your credit report information, we also obtained your credit score from the consumer reporting agency listed below and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. 

Your credit score : XXXX Date : XXXX XXXX, XXXX  Scores range from a low of XXXX to a high of XXXX Key factors that adversely affected your credit score : Serious delinquency, and public record or collection filed, Length of time revolving accounts have been established, Proportion of loan balances to loan amounts is too high, Lack of recent bank/national revolving information, The number of inquiries on the consumer 's credit file has adversely affected the credit score.

If you have any questions regarding your credit score, you should contact XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX, XXXX : XXXX. 

Information Obtained from Third Parties Additionally, our credit decision may have been based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information. 

Sincerely, XXXX, XXXX XXXX XXXX, Utah NOTICES : FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is : Division of Depositor and XXXX XXXX XXXX XXXX for XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. 

XXXX branded credit products are issued by XXXX. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX. All rights reserved. 

On Sat, XXXX XXXXXXXX XXXX  XXXX Credit Karma Member Support XXXX wrote : Hi XXXX XXXX This is a follow up for the interaction through chat that we had about your credit card application with Karma Guarantee. I want to let you know that I'm still here to continue assisting you. 

Weve confirmed with the banking partner XXXX that your application for the XXXX XXXX XXXX XXXX XXXX submitted on XXXX from this account on Credit Karma was approved. Therefore, you are not eligible for the {$50.00} Karma Guarantee. 

Best Regards, Credit Karma Member Support ref :! XXXX.! XXXX : ref

Company response to consumer: Closed with explanation