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Credit Karma

Credit Karma

www.creditkarma.com
What is your customer experience with Credit Karma?

Credit Karma Overview

The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.

Based on reviews, created with AI
Rating Distribution

Credit Karma has a 1.9 star rating from 2,752 reviews, with 15% of users likely to recommend and a predominately unfavorable rating distribution.

Key Takeaways for Future Customers

  • Expect widespread login and account recovery hurdles based on Credit Karma reviews.
  • Prepare for limited live support and long waits when resolving account, fraud, or refund issues.

Negative Feedback / Risk Areas

  • Poor customer service and inability to reach a live representative.
  • Frequent account access problems tied to phone or email verification.
  • Reports of unresolved fraud, missing funds, and refund requests.

Positive Feedback

Some users appreciate free credit scores and occasional helpful chat agents who resolved account issues.

View full overview ›

Media from reviews

Credit Karma - Can't access old account
Credit Karma - Need help login phone number and email addressCredit Karma - New phone number can't sign inCredit Karma - New phone number can't sign in - Image 2Credit Karma - Need to put a PIN code on card number 9195 so I can retrieve my fundsCredit Karma - Need to put a PIN code on card number 9195 so I can retrieve my... - Image 2Credit Karma - False balance
View all media ›

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Anonymous
map-marker Oklahoma City, Oklahoma

Need to change my email cause the phone it is attached to got hacked and I can't turn it on

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I open an account many years ago lost my phone forgot my password but remembered my email. At first it was frustrating until I got to chat with someone that understood how to help me regain my account.

I started off frustrated but ended up happy.. so Thanks a bunch

View full review
Ivy T Nne

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Card has a Security Lock or hold unable to Use

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Original review updated Feb 09, 2026

Credit Karma debit department and all other departments that I have been transferred to are unable to assist and fix my card to where I can access my money. Money was loaded on the fourth, and I had a frozen account due to a negative balance.

I was told once money was deposited in it, it would unlock the frozen account. It did, 24 hours later. Then, after many attempts that day trying to figure out what the issue was on why my card was still unable to be used, I finally realized that there was a security hold or lock on my card due to my account having a different address than my residential address. We got that issue resolved and was told that the security hold or lock would come off once both addresses were the same.

That was the 5th of February at 3:00 p.m. I went to the store, and the card was still declined. I called back again and was told that the system needs to refresh and update; they were unable to give a time frame as well as an email stating when my account was usable. I was advised to check every couple of hours and try to add my card to Google Pay, and once I am able to add it, that's how I would know that my account was unlocked.

I did that that evening. Mind you, every time I tried to add my card to Google Wallet or to Cash App, etc., it declined, so I had multiple declines on the 5th due to Credit Karma workers having me try to add, instructing me to do this, and each thing that they wanted me to try to resolve this showed up as declined on my account. On the 6th, I had declines on my account because I was told to check every couple of hours to see if my account was unlocked. Finally, on the 7th, I called at 5:00 in the morning because it was still locked.

I spoke with a Credit Karma employee, and she said that the reason why it's locked is due to security from having multiple declines, to wait 24 hours, and not try any attempts on my account, and it should work. I waited the 24 hours. I attempted to try to add my card again, and it did not go through. It continues to say to contact my cardholder.

I figured it was the weekend, so I waited another 24 hours, so 48 hours later, which would be 6:00 this morning; I attempted to add it to my Cash App, and it declined. I called again, and they are not equipped to fix the issue. This is by far the worst customer service I've ever dealt with. I do not know how to resolve this issue where I can access my money.

The money that was loaded was my state refund, and my federal refund will be transferred into this account within this week, so not only will all my funds be on an account that I can't even access, but every single person that I talk to from the customer service phone line cannot help me, cannot give me a timeline, and cannot let me know when my account is usable. They make it worse. I have repetitively explained the issues that I've experienced the past few days over 20 times with 20 different people from Credit Karma. I have reached out to corporate numbers in California and North Carolina.

The California phone number is out of service, and the North Carolina phone number stays busy. I am hoping this message reaches someone that can help me because I feel defeated, and this is my last option to try to do Credit Karmas job for them.

I've tried everything.

Update

To Move Money from Credit Karma to another account " It has to be One that they Support"

Which here's the thing they don't even support Cash App so they instructed me

Wrong info and I had to do there Jobs for them and figure out MYSELF that it would go through because of that reason

So I seen that they Supported Chime made a Account with them and link the Chime account on My Credit Karma and PAID them $13 to transfer MY MONEY to Chime and It WORKED!!! Now I'm Waiting for My Federal to deposit and See how much they charge to Transfer it to Chime Once I get My Money BEST BELIEVE IM GOING TO POST REVEIWS

WARNING EVERYONE...AND IF YOU READ THIS AND ARE ABLE TO SHARE PLEASE DO Thank you

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User's recommendation: WARNING DO NOT USE THIS COMPANY

2 comments
Guest

Two things you failed to do/inquire even before all this chaos. One, upon sign-up check what the procedure is for getting your money/balance in the event you close the account.

Was a paper mailed check an option? Two, who supports them. Early Discover Card users found scarce retailers to use the card. Was Discover responsible for that?

No. As the other comment infers, get your affairs in order.

Open an account at a brick-and-mortar bank. It sounds like you would be helped by face-to-face assistance.

Guest

You are a financial dumpster fire. First you run negative balances and try to keep rolling. Then you put in just enough to keep rolling and then you want to transfer to a joke like cashap Please do NOT repro duce.

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Rosemary R Vep

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Philadelphia, Pennsylvania

False balance

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Credit Karma - False balance

my Credit went down 45 points today because it said that i have a $599 balance on my Chime this is not true and also impossible from my end. I called Chime they said i had a Zero balance with them ( obviously) and blamed it on something else!

I was supposed to see a place this week and now i can't because of the false info i'm very upset! Please help

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Lisa G Tbd

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Memphis, Tennessee

Need to put a PIN code on card number 9195 so I can retrieve my funds

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Credit Karma - Need to put a PIN code on card number 9195 so I can retrieve my funds
Credit Karma - Need to put a PIN code on card number 9195 so I can retrieve my... - Image 2

I do not like it because its my money and I need it now Im having a hard time and Im very unhappy with you all I have never had such a hard time getting something thats rightfully owed to me so someone from your company needs to reach out to me

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Resolved
Anthony H Vex

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Fort Lauderdale, Florida

Resolved: My account

Credit Karma - My account
Updated by user Nov 08, 2025

They say I had over 145 SS purse no I've been updating my verification for the last 3 days the first day I did it and upload everything then the expert to leave then I get another expert then I'll do it first day I will unload it all my information and everything was good every time I get a new Asian I got to do a whole new verification now my ID don't want to verify at all

Updated by user Nov 08, 2025

My ID won't bear for a when I do the verification.

Original review Nov 04, 2025

Yes I've been trying to make an account somebody already made an account in my name and I'm trying to change my I'm trying to change the email to my email cuz y'all please get this issue done help me because I never had an account with y'all somebody else made an account with my name so I'm looking looking forward for y'all to fix this situation thank you

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User's recommendation: Great

Resolved
Codey P Ztu

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Denver, Colorado

Resolved: Change phone number on account

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Updated by user Jan 27, 2026

They changed my phone number on my account.

Original review Jan 27, 2026

They did exactly what I called to ask them to do. I give them 100 percent satisfaction and great customer service.

View full review
Pros:
  • Great service
Cons:
  • Do not have a customer service phone number

User's recommendation: Highly recomend

1 comment
Guest

what phone number did you use? I cant seem to find one

Michael W Uac

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Philadelphia, Pennsylvania

Account recovery

Credit Karma - Account recovery

There was an error while creating my account; the end of my email address was input improperly. Is there any way to fix this?

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Brandi H Vnp

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Albuquerque, New Mexico

Login issues

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Original review updated Feb 09, 2026

My issue is that I do have a credit karma account however it's tied to my previous email Wich I no longer have access to. And I'm using the website for this year's tax return and need to access my previous account to do so as well as obtain another credit karma card to access my funds. So that's what I need assistance with and as quick as possible please thank you very much

View full review
Pros:
  • Easily keep track of credit scores
Cons:
  • Not able to actually speak with anyone directly about issues or questions i may have

Preferred solution: Just a way to access old account for smooth processing of filing my return

Mandy R Kdj

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Baton Rouge, Louisiana

Can’t login and can't get any help either through email and chat.

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I'm trying to open a checking account so I can get my instant refund from turbotax, but the computer keeps telling me that my info doesn't match my credit report, but I don't have any other addresses or any other names. Really need to speak to a live agent, but can't find a number.

I've texted and emailed and still no response. So, I'm having to delay filing my tax return until someone, anyone decides to respond to my requests, so I can continue opening my money account. Absolutely HORRIBLE service.

Myself and a *** of other customers will not be using Credit Karma ever again. Absolutely horrible service for people who really need their help.

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Preferred solution: I would just like assistance in opening a money account.

User's recommendation: Use a tax company who values their customers business and that will respond quickly to requests.

Debra B Ece

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Something was on my credit that I no nothing about

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Because there are three cars on my credit as property and I have no vehicle at all, I want them removed from my credit.

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Resolved
Renee G Mcq

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker East Hartford, Connecticut

Resolved: I think i’m a victim of identity theft’s

I cannot access my account, and I can't create a new one. I think I've been hacked with my identity.

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Nicole B Kxc

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Fairmont, West Virginia

Changing email address and resetting passwords

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I haven't been on the app in a while and I would like to change my email account and passwords to something else

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Otis S Ard

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Raleigh, North Carolina

My email has changed

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I have been trying to receive help, and there was no help at all. I will continue to try to seek help to solve my problem.

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User's recommendation: Keep trying to get help

Steve R Jii

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Identity stolen

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My info was leaked they have my social security number and all of my info and I am locked out of my account.

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Cons:
  • Personal information was leaked

Preferred solution: Apology

User's recommendation: Don’t use

Emmett C Bpz

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Houston, Texas

I'm a frustrated customer who still couldn't get my problem solved

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Updated by user Jan 22, 2026

Not good, I couldn't get my account problem solved

Updated by user Jan 22, 2026

I'm not sure, but I hope they contact me so can get my account problem fixed, so I can login without further problems

Original review Jan 22, 2026

They should give the customers a better way to reach them personally, because their automated and online systems doesn't give the customer the resources needed fix their problems

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Latravious J

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Albany, Georgia

Haven't received my card, or anything!!

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Ordered a new card a month ago and it is telling me it will be delivered in June, that's F'd up, thinking about canceling the service, and can't reach a live rep.AngryWtf

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About

Related Companies

Credit Karma Canada, Credit Karma UK

Summary

Credit Karma is a private company which specializes in personal finance software. It was founded by Kenneth Lin in 2007. The company headquarters is based in San Francisco, California, USA. Credit Karma offers credit and financial management platform. The registration is free. It is available for PC, tablets, and mobile devices. The platform contains credit reports, daily credit monitoring, and credit scores from Equifax and TransUnion. Credit Karma also provides the following financial tools: Credit Score Simulator, Debt Payment Calculator, Simple Loan Calculator, and Home Affordability Calculator. The company helps customers to track credit cards, balances, and loan transactions through the Yodlee service.

Credit Karma reviews and complaints

Credit Karma is ranked 530 out of 5644 in Financial Services category

Area Served

USA, Worldwide, Asia, UK

Payment Methods

VISAMasterCardDiscover

Credit Karma FAQs

Rebecca A. Garland
PissedConsumer Reporter

Credit Karma FAQs

The Credit Karma update is available every 7 days. To find additional information regarding this matter, get in touch with the Credit Karma customer service manager at the following number: 833-675-0553.

If you decide not to use Credit Karma, you can close the account by following the next steps: login into your account, navigate to “Profile & Settings” in the upper right corner (if you use a mobile app, choose “Profile” from the menu or “Account” on a mobile web browser), and choose “Close my account” at the bottom. Click “Yes” on a pop-up screen to finish the actions.

An American multinational personal finance company, Credit Karma, belongs to Intuit Inc., a leading software company, that is well-known for such products as TurboTax, QuickBooks, and Mailchimp.

Credit Karma provides you free access to your credit scores, analyzes data, and gives you personalized recommendations for credit cards, loans, and other significant financial things.

Credit Karma is not a bank. It is known as a free credit and financial management platform. All banking services for Credit Karma accounts are provided by MVB Bank, Inc., Member FDIC.

Credit Karma does not directly handle unlocking your credit itself. The platform only provides you the ability to monitor your credit status. To unlock your credit, you have to apply to one of the credit bureaus (Equifax, Experian, or TransUnion) individually.

Credit Karma does not share information about whether it has 24-hour customer service. However, you can ask about this matter to the company manager by dialing the following telephone number: 833-675-0553. Or send a message to a virtual assistant by clicking on the “Chat with us” button in the lower right corner of the official company website.

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