Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Credit Karma continues to break the law, deny me information on my on account, they refuse to speak with me without hanging up. They denied my XXXX rights, more. 

I am XXXX XXXXXXXX with a XXXX XXXX XXXX, and I have made it very clear over 6-7 months ago that I needed help someone who is patient, works at my level and won't hang up on me. I wrote another complaint about Credit Karma about 1 month ago for another issue with the XXXX XXXX XXXX 

What will it take to stop these ignorant and disgraceful companies like Credit Karma who has an F rating by the XXXX and on social media and a dedicated site which will remain private with tens of thousands of people saying the same thing I am. I have a lawsuit which I am giving them until the end of the day today XX/XX/XXXX at XXXX XXXX  EST to respond or I will sign the papers. I already have an attorney hired and given the retainer fee so I am not joking.

How is it that you allow this company who was sued by the US Government last year for making " guarantees on approval '' on cards they profit from. They have not changed anything after the suit. They still recommend cards, loop you in as " outstanding or excellent odds of approval. '' Plus {$50.00} if you don't get approved. But you need to send in so much documentation they make it impossible. 

Now, they have seriously crossed the line. I have been BEGGING for help for 6-7 months with NOTHING BEING DONE OR THEY REFUSE TO TELL ME WHY ITS TAKING 7 MONTHS NOW??? They refuse to provide me information even after I validate my account with 20 questions. They say I opened a checking account awhile ago but it's now closed. When I want more details on it they refuse. They deny everything. I had my identity stolen multiple times from XXXX including to this point. So this is why I refuse to give all my personal information to multiple people because my info is now on the dark web. I have suspicions who it is, and I will let you guess who it is. 

*** The biggest reason being they made an error not on my credit report but on the dashboard an old collection of mine which is {$88000.00} see attachments. This is not anywhere on any credit report period I did a 3 bureau report with XXXX XXXX and it doesn't exist. I've never ever had that much money in my life. But their error is really eating at me, they refuse to discuss why it's taken 6-7 months to fix it, along with access to their website is very intermittent. Their customer service is terrible.

I have sent over 66+ emails asking for help 95 % have been ignored or they offer to help, but never follow through with it. As you know they have an F rating and there are tens of thousands of people on a website who are putting their complaints online. I have recorded every single phone call ( which they hate, but if they can record me, I am recording them ) and I even sent to their corporate office in XXXX that I have paid the retainer fee for a lawsuit but have not filed it yet. I gave them until Friday XXXX XXXX to tell me what is going on or I will submit the attorneys my signed papers. 

Why would it take XXXX months to make a simple fix and fix the issue with me intermittently being able to log in online. The app is not an issue. They have violated my XXXX rights by refusing to tell me their accessibility phone number when I have asked over and over. I get hung up on almost every single time I call because they refuse to tell me anything and I am stubborn and it's my credit so what is the secret? 

They force me to give all my personal information to each and every person you get transferred to, when I have had my identity stolen 3 times then you have to tell another person when they transfer you. BIG PROBLEM!!!! I WANT ANSWERS FROM THEM NOW OR I PROMISE I WILL SUE AND WIN. I FILED COMPLAINTS WITH A XXXX RIGHTS ADVOCATE TEAM OF ATORNEYS. THEY AGREE WITH ME COMPLETLY. SEE THE ATTACHMENTS. IT WILL MAKE MORE SENSE.

Company response to consumer: Closed with explanation