Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: KY

Complaint narrative:
I placed an online order using the XXXX XXXX  on XX/XX/year> and a temporary hold was placed on the amount of {$120.00}. When my true balance was found later that day I should have had the temporary funds that were held to be used to settle the debt of {$110.00} that I owed to XXXX plus {$5.00} that I had promises to pay the driver in a tip after my goods were delivered. My purchase was delivered later in the day XX/XX/year>. As their bylaws say they will charge the customer once delivery was made. However I was not charged until XX/XX/XXXX for the amount of {$110.00} but I was charged that same total by XXXX of XX/XX/year> without having knowledge of being charged this second charge or giving consent for them to card my debt card a second time for the amount of my balance that had already been paid and settled to my knowledge the day before. When I was charged again it created an overdraft in my bank account. I had to speak to people working at my bank institution to find out why it was exactly I had been moved into my over draft which didn't occur until XX/XX/XXXX. It was early in the morning on XX/XX/XXXX when I was finally able to speak to an associate at XXXX to try to get this resolved. I was told by the XXXX employee that they had every right to double charge me and it was up to me to speak with the bank and see if they would work with me on the overdraft charges. Good news according to them XXXX of the charges for {$110.00} was just a temporary hold on the funds and that hold would release in 10 days. So I will have the money back in my account then. I explained how that was all the money I had to my name, that my electric would be shut off by then because I would be unable to pay a payment I had arranged to pay to keep it on. I had no place to go or anybody at all to help. That I had had an XXXX XXXX  relationship that had lasted for 15 years end recently and I was just very barely making it as it was. The hold on those funds made my situation a very dire on. If they weren't released immediately my survival was slim to none. Not only was my electric going to be shut off the funds weren't enough to have it turned back on. I had no money for food for myself of my XXXX XXXX XXXX who is an XXXX that hunger induces seizing. I had explained that I had been in a state of panic and frantic ever since I had discovered the funds being taken from my use and I asked that they understood I have no other place to go. I was told there was nothing at all that could be done as far as XXXX doing anything to make their error correct. All they could do was tell me that those funds would be available in another ten days. If there was anything that could be done they would do it. However my bank was all that could release the hold that XXXX had placed on my funds and that when I made a purchase with them I as well as all customers should expect that they will be charged their true balance twice and it was agreed that this could take place. It was up to the customer to be certain the funds in their accounts were enough to cover those cost. I did a screen record of the entire conversation that took place in the XXXX Customer Supporr Chat. That video is to large of a file to submit as proof with my complaint but I did do a screen record to document the entire conversation.

Company response to consumer: Closed with non-monetary relief