This business is not BBB accredited.

Credit Karma, Inc.

Phone: (415) 692-5722 PO Box 520, San Francisco, CA 94104 http://help.creditkarma.com/hc/en-us/requests/new View Additional Web Addresses


BBB Business Reviews may not be reproduced for sales or promotional purposes.

Description

We want to help you to take charge of your finances.People approach credit and finance with a range of emotions and varying levels of understanding. Our goal is to provide everyone with the information, guidance and tools they need to understand their options and take action.

We start by giving you free access to your credit information so you know where you stand. Then, we offer up personalized recommendations and education to help you make smart, achievable decisions.

At Credit Karma, we love figuring things out. We spend lots of time crunching numbers, analyzing information and finding ways to better help you.

First, we break down your credit reports. We show you important factors that can impact your score and provide tools and information so you can make sense of it all.

Next, we show you what you could get for your credit. We make personal recommendations based on your credit profile to help you make informed decisions that balance risk and reward.

Our members provide a unique knowledge bank. Millions of people use Credit Karma to get free credit reports, scores and credit monitoring. But they also come to our site to share their knowledge and experiences.

We're proud to share thousands of financial product reviews that come straight from our members. Our community forum and Facebook community allow members to have discussions about anything related to credit and finance. Sometimes it's just helpful to hear from others who have been in your shoes.


BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.


Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that lowered the rating for Credit Karma, Inc. include:

  • 391 complaint(s) filed against business

Factors that raised the rating for Credit Karma, Inc. include:

  • Length of time business has been operating
  • Response to 391 complaint(s) filed against business
  • Resolution of complaint(s) filed against business


Customer Complaints Summary Read complaint details

391 complaints closed with BBB in last 3 years | 138 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 91
Billing/Collection Issues 96
Delivery Issues 15
Guarantee/Warranty Issues 35
Problems with Product/Service 154
Total Closed Complaints 391

Customer Reviews Summary Read customer reviews

35 Customer Reviews on Credit Karma, Inc.
Customer Experience Total Customer Reviews
Positive Experience 5
Neutral Experience 3
Negative Experience 27
Total Customer Reviews 35

Additional Information

BBB file opened: April 18, 2008 Business started: 03/01/2007 Business started locally: 03/01/2007 Business incorporated 12/31/2007 in CA
Type of Entity

Corporation

Business Management
Ms. Elaine Podulka, Member Support Manager
Contact Information
Principal: Ms. Elaine Podulka, Member Support Manager
Number of Employees

1

Business Category

Credit Services

Method(s) of Payment
We never collect your credit card or payment information because we simply don't need it.
Refund and Exchange Policy
We're proud to say that Credit Karma is an entirely free service! Our goal is to make financial information available to everyone free of charge. There are no loopholes or free trial periods. We never collect your credit card or payment information because we simply don't need it.
Alternate Business Names
Credit Karma, Inc.

Customer Review Rating plus BBB Rating Summary

Credit Karma, Inc. has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of B-.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 520

    San Francisco, CA 94104

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BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

7/22/2016 Problems with Product/Service
7/20/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have tried to reset my password numerous times. I have also tried to re-register several times. I have sent in the email as requested and get no response. They advertise this free service but then they fail to be responsive when issues come up.

Desired Settlement: Get my account back up and running.

Business Response:

Thomas - 

 

It looks like we have already responded to your support request over the last several days. Please refer to our most recent response to your messages for further information. 

 

Regards,

 

****** *. 

Member Support Manager

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me.

Sincerely,

****** *******

7/19/2016 Problems with Product/Service
7/18/2016 Problems with Product/Service
7/16/2016 Problems with Product/Service
6/29/2016 Problems with Product/Service
6/29/2016 Problems with Product/Service
6/28/2016 Problems with Product/Service
6/23/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: When my family logs into Credit Karma. insurance scores are not available to see. The customer service has not fixed the problem. They seem to think the problem is solved by providing a e-mail that provides somewhat of a back door log in.

Desired Settlement: To be able to login to Credit Karma from the web page and see all scores they claim I should see.

Business Response:

I'm sorry - While Credit Karma may have previously shown other scoring models, we currently only show you your VantageScore 3.0 score, provided individually by TransUnion and Equifax. 

 

Each scoring model has a slightly different formula for analyzing the many different factors of your credit report and each person has many different credit scores.



VantageScore 3.0 incorporates a broader set of credit-related data and can score up to 30 million more people than other models.  With so many different scoring models out there, you never know which score a bank will use, but VantageScore 3.0 is a strong predictor for what the banks may see.


Please let me know if you have any further questions.

 

****** *.

Member Support Manager

 

 

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 11510489, and find that this resolution is satisfactory to me.

Sincerely,

**** ***

6/22/2016 Delivery Issues
6/16/2016 Problems with Product/Service
6/14/2016 Problems with Product/Service
6/13/2016 Problems with Product/Service
5/31/2016 Problems with Product/Service
5/26/2016 Problems with Product/Service
5/18/2016 Problems with Product/Service
5/17/2016 Problems with Product/Service
5/10/2016 Problems with Product/Service
5/9/2016 Problems with Product/Service
5/8/2016 Problems with Product/Service
5/5/2016 Problems with Product/Service
5/4/2016 Billing/Collection Issues
5/4/2016 Problems with Product/Service
5/4/2016 Problems with Product/Service
5/4/2016 Problems with Product/Service
5/2/2016 Guarantee/Warranty Issues
4/29/2016 Problems with Product/Service
4/29/2016 Advertising/Sales Issues
4/28/2016 Problems with Product/Service
4/18/2016 Problems with Product/Service
4/13/2016 Guarantee/Warranty Issues | Read Complaint Details
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Additional Notes

Complaint: 6mos ago they lost my TransUnion credit bureau files. 2 days ago they took off the Equifax files.This has nothing 2 do with new Vantage files They have no phone contact or live chat format to contact them. For 6 months they have not corrected my files. They accept no responsibility for forwarding inaccurate and illegal information. They make no attempt to correct their records. Their *********************** is responded to by multiple people and there is no consistent thread to correct the problem. Their answer was to cut my access off completely. ADDITIONAL DETAILS: Case is being handled by another organization: CFPB (Consumer Financial Protection Bureau)N

Desired Settlement: I would like *************** to repost my TransUnion files my and my Equifax files & allow me access into the files. One of my creditors EECU spent over 1 month with all 3 credit bureaus documenting all my accounts with their company. From my understanding part of the reason my file isn't recognized equally by the different credit bureaus is that some of the bureau's allow my cell you tation of Dr as it appears on my credit and my credit cards and other bureaus do not. Further they have different names for my mother's maiden name. And both bureaus have allowed their subscribers to generate multiple AKA files listing my last name as *****. I have never been a *****; all my creditors are aware of my doctorate degree & all of my credit card and correspondents come to me addressed with Dr as the salutation or part of the name.

Business Response: ****** -


Unfortunately, we can't know for sure if lenders will approve or decline applications, as it's totally up to the lender. However, we do the best we can by basing our approval odds on historical data.


Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.


We'll be the first to admit that we don't always get it right, but please know that we're always working to build better models and give people the best information that we can. Our goal is to always do what's best for our members.


Regards,

****** **
Member Support Manager


Business Response: I'm sorry for the miscommunication, ******.


It looks like you are unable to access your account because the information you entered during registration does not match what is on file with TransUnion.


Please try past names or nicknames you have used (e.g. a maiden name or "****" for "*******"), if applicable, and your former MAILING address, if you've moved recently, and double-check your SSN.


During registration, we will ask for the last four digits of your SSN. However, if we require additional validation, the system will automatically ask for your full nine digits.


If this doesn't solve the problem, I would also recommend checking your full credit report at www.annualcreditreport.com to see what information TransUnion has on record for you, then updating your information and trying to register again.


Please let me know if you have any other questions.


Regards,

****** **
Member Support Manager

4/12/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Sent personal information with no response Yes, attempted to set up an account, was locked out and told that the only way to get in was to send copies of the social security card and my driver's license which I sent and I never heard any response from anyone so basically my personal information was mailed to an address with no response and I still can't get into my account I have attempted to contact them multiple times

Desired Settlement: To be able to log in

Business Response: ***** -

We have not yet received your documents. Without these documents, we are unable to allow you access to your account.

All mail is processed within 10 business days of receiving it. We follow up via email once the documents have been processed. Please let me know if you have any other questions.

****** **
Member Support Manager

4/9/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: The consumer filed a complaint via phone as follows: The consumer said he saw the commercials for a free credit score and went online and the site kept saying to put the last 4 digits of his social security number in and then would not let him go any further. He feels they took the information to sell to other companies and left him stranded with no credit score. Complaint taken by ****

Desired Settlement: DesiredSettlementID: Other (requires explanation) The consumer wants all of his information removed from the site.

4/9/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Wanted a Credit Report Put all My Information in their System ( SS # Address ) Submitted January 19th 2015

Desired Settlement: All of My Personal Information Taken out Of Their System & change their Advertising Practice.

4/9/2016 Problems with Product/Service
4/9/2016 Billing/Collection Issues
4/9/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Told me I had a "good" chance of being approved for a credit card (that sponsors them which is why they suggested it) I was denied for the credit card Credit Karma told me I had a "good" chance of being approved for a Capital One Quiksilver credit card. I applied for the credit card and was denied, due to the fact I have "no credit". If I have no credit, why is Credit Karma reporting a score to me? Is it fake? Capital One pays Credit Karma to advertise their credit cards, loans, etc on their website to try to get people to apply, I applied, was denied, even though I was told I have a good chance of being approved for the card, and I now have a HARD INQUIRY on my credit from applying for this card.. I'm very frustrated and I am starting to believe Credit Karma might be a scam. They stay open by having banks (like Capital One) and other places advertise their cards and loans on their website making people think they'll get approved, just so they can have a lot of people apply for these things they're being paid to advertise..

Desired Settlement: I either want the Quiksilver credit card from Capital One given to me, so having a hard inquiry wasn't for nothing, or I would like the hard inquiry removed from my credit report. I will never apply to anything that Credit Karma suggests I have a "good" or "very good" chance of getting approved for..

Consumer Response: (The consumer indicated he/she DID NOT accept the response from the business.)
How come your credit scores for me aren't even really what my credit score is? I got my actual credit score and it's almost 200 points different then what you're telling me it is, so how is your website really supposed to help me at all? I understand you can't always guarantee an approval, but how can I trust applying to anything you suggest if my credit score is a lie and you're being paid by these companies to advertise things for me to apply to so both them and you are making money from this. Obviously my chances of approval weren't "Good" if I got denied.. I'm very upset because I have this hard inquiry on my credit, and was denied for a card because they told me I have no credit score, when you're tell me I do. I do now have a credit score for real and it's a different number then what you're telling me it is..

4/9/2016 Problems with Product/Service | Complaint Details Unavailable
4/1/2016 Billing/Collection Issues
4/1/2016 Problems with Product/Service
3/30/2016 Problems with Product/Service
3/29/2016 Problems with Product/Service
3/28/2016 Advertising/Sales Issues
3/28/2016 Advertising/Sales Issues
3/24/2016 Problems with Product/Service
3/24/2016 Problems with Product/Service
3/22/2016 Billing/Collection Issues
3/22/2016 Billing/Collection Issues
3/16/2016 Problems with Product/Service
3/16/2016 Problems with Product/Service
3/16/2016 Advertising/Sales Issues
3/11/2016 Delivery Issues
3/11/2016 Billing/Collection Issues
3/10/2016 Billing/Collection Issues
3/10/2016 Problems with Product/Service
3/10/2016 Billing/Collection Issues
3/8/2016 Guarantee/Warranty Issues
2/29/2016 Advertising/Sales Issues
2/29/2016 Problems with Product/Service
2/25/2016 Problems with Product/Service
2/24/2016 Problems with Product/Service
2/23/2016 Problems with Product/Service
2/23/2016 Billing/Collection Issues
2/23/2016 Guarantee/Warranty Issues
2/23/2016 Problems with Product/Service
2/19/2016 Problems with Product/Service
2/17/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Credit Karma refuses to provide information about a fraudulent account established with them in my name. An unknown party established a fraudulent account at Credit Karma in my name and used this account to obtain information from TransUnion. This information was then used to initiate multiple fraudulent transactions. I have repeatedly asked Credit Karma to provide me all records of activity in this account and sent Credit Karma proof of my own identity that they requested. Credit Karma refuses to give me the information requested, saying it is against their "Privacy Policy." Whose privacy are they protecting? Obviously it is not mine since they have acknowledged my ownership of my identity but will not disclose what has happened in an account established in my name. The only privacy they are protecting is their own and the criminal who stole my identity. It should be noted that the federal Fair Credit Reporting Act requires that in cases of identity theft, credit reporting agencies and other businesses are legally required to provide to the victim of identity theft all information in their records pertaining to the stolen identity. Thus Credit Karma's position is not only unreasonable but it is contrary to the requirements of federal law.

Desired Settlement: I am seeking all information in Credit Karma records related to the account established in my name.

Business Response: Initial Business Response /* (1000, 5, 2014/10/29) */ ******, I do apologize for the frustration. At this time, we cannot release any information about the account in question without a subpoena from the police. You will need to file a police report regarding the unauthorized account, and the police will need to contact us directly with a subpoena for the information on your account. The police can contact me directly at **************@creditkarma.com and I would be happy to assist. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2014/11/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) The Credit Karma response is the same as given to me previously and is not satisfactory. They simply deny my request and give no reason for doing so. I have provided proof of my identity. They have acknowledged that the account used my personal identification. The Fair Credit Reporting Act (FCRA), a federal statute, requires Credit Karma to provide the information I have requested. Federal Trade Commission information available on line regarding FCRA indicates the following: 1) FCRA applies to businesses that "provide a service to someone believed to have fraudulently used another person's identification." Further, "Your business must provide application and business transaction records maintained either by your business or another entity on your behalf, that support any transaction alleged to be a result of identity theft." The fraudulent Credit Karma account in my name is clearly subject to FCRA requirements. 2) Regarding the rights of consumers: "Identity theft victims are entitled to ask businesses for a copy of transaction records relating to the theft of their identity." I am an identity theft victim and have asked for records that are subject to FCRA. 3) The FTC website specifically indicates that no subpoena is required to obtain this information. The Credit Karma account established fraudulently in my name was used to obtain information that was subsequently used to perpetrate further fraud, including multiple retail transactions. Credit Karma has given no reason why they refuse to provide the information requested. I am requesting that Credit Karma disclose information given to Credit Karma as part of establishing the fraudulent account in my name, as well as records of all subsequent transactions related to that account. It is difficult to understand why Credit Karma should protect this information, especially since they provide no explanation. Final Business Response /* (4000, 10, 2014/11/13) */ ******, As part of our commitment to security and privacy, and pursuant to our Privacy Policy (https://www.creditkarma.com/about/privacy), we are not able to disclose any information outside of an official request from a government agency. If you choose to file a police report, we would be happy to cooperate with the investigation. Please have the officer or investigator contact us directly at *******@creditkarma.com. Thank you for your patience. Regards, ****** P.

2/11/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Credit karma told me god their fees they would help repair my credi and advise me on a monthly basis how to raise my scores . They have done nothing . They do not respond to emails in a timely manner or return Amy phone calls . When they finally email it is a generic statement . My credit is now lower then when I started with them . They told me they would help me and advise me to raise my credit scores and they have shared me monthly fees and have not helped he out all . When I contact customer service they don't respond , then they send am email to me that they resolved my issues when they hadn't even contacted me . They falsely say they will help people and they don't they simply provide verify scores we are free anyways ! They are are very dishonest company with false claims and extremely poor customer service .

Desired Settlement: I would like a refund for my monthly payments . No one consulted or helped me with my credit a they said they would

Business Response: Initial Business Response /* (1000, 6, 2016/01/25) */ ******* - Credit Karma is a free service that allows you to view your credit scores and reports from the credit bureaus TransUnion and Equifax. We provide these resources so that you can see what actions have an affect on your credit score. We are unable to advise you in any way about how to raise your credit, but we do show you the major credit factors that comprise your credit scores. We are not financial advisors and cannot point to specific ways that you can change your credit or actions you can take to improve your score. Credit Karma is a free service. We do not ask for credit card information or other payment information because we simply don't need it. Please let me know if you have any other questions. Regards, ****** P. Member Support Manager

2/8/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I received an email from Credit Karma informing me that I had opened an account with them. I had not and requested they remove it which they have not. I received an email from Credit Karma informing me that I had opened an account with them. I had not. This was probably someone else opening an account with my email address. I replied to the email and inform them of the fact that I had not authorized such an account. I then requested they remove the account with my email. They replied by asking me to fill out a form which requested more information. Since the bogus account had was most likely opened with bogus information, there was no point in me supply more information. I told them so and requested they remove my email address from their user accounts. In reply, the asked me to fill out the form again. I had informed them that I would file a complaint which I am doing now. Either they have a very bad process for this kind of thing or they are phishing for personal information.

Desired Settlement: They remove the bogus account with that has my email attached to it.

Business Response: Initial Business Response /* (1000, 5, 2016/01/12) */ **** - It's possible that someone may have accidentally used your email address to register for Credit Karma. I have removed your email address from our database so that this should no longer be a problem. If you'd like me to investigate further to ensure that the account in question is not associated with your personal information, please reply with your full name and date of birth. I apologize for any confusion and thank you for your patience. ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2016/01/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) Since their process includes a confirmation email, they should be automatically removing unauthorized accounts if they get such a request in reply. Asking for more information is not only a privacy issue but, as I previously stated, will probably not match up with the data in the account. It doesn't matter whether someone put in an incorrect email address. That email address is used for login and account validation. If a person put in the wrong email address, the account should be removed anyway since the user who opened the account will probably never figure that out and will open a new account anyway. They need to change their process to just remove the offending account. I thought that was the whole point of the confirmation email in the first place. Even in their reply above, they are requesting more information which they do not need. I'm not happy that it took several requests to them and submitting a complaint to the BBB to get them to remove my email address. They need to change their policy on this. That would resolve the issue. Final Business Response /* (4000, 9, 2016/01/22) */ Hi **** - Unfortunately, sometimes people make mistakes and typos when entering their information. We have no way of knowing this until someone like you sends us an email to let us know that the email address that was registered does not belong to the person who may have used it accidentally. We have removed your information and this case should be closed. Thanks for your patience. ****** P.

2/5/2016 Guarantee/Warranty Issues | Read Complaint Details
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Additional Notes

Complaint: Inaccurate credit scores for Trans Union and Equifax. I decided to try Credit Karma. What a mistake that was. They reported lower credit scores by 74 for Trans Union AND 75 for Equifax. I pay for a credit service which works so I could compare the two scores provided by Credit Karma. I have paid all my bills on time and my credit scores are good and not fair as Credit Karma reports. I don't plan on suing them again.

Desired Settlement: Delete any of my information from Credit Karma files,

Business Response: Initial Business Response /* (1000, 5, 2016/01/19) */ ******* - Credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. Each credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. In addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. I'm sorry you want to cancel your membership. Keep in mind that Credit Karma is a completely free service. We will never charge you, nor will we or our partners ever send you spam. Please note that, for security reasons, once you've canceled your membership, you will not be able to establish a new membership for six months. If you still wish to cancel, please click here (https://www.creditkarma.com/about/selfdeactivate) to login to your account. Once you have logged in, you will see some additional instructions in the middle of this page that will guide you through account deactivation. Regards, ****** ** Member Support Manager

2/5/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I registered with creditkarma.com; they said I was in the system. I had not registered. I registered again. Can't get into account. Not resolved. Not any of the above applies to this complaint since credit karma is free.

Desired Settlement: Undoubtedly someone had registered in my name on credit karma. I would like to know what e-mail address was used. When I did register, it said I was already in the system. Since there was no one to contact, I sent an e-mail back to them, but got no help at all from them. I re-registered and they sent me a welcome e-mail. I tried putting in my user name and password, but cannot get into the account. They said contact customer support. I entered the web page and there is no phone number only an address in San Francisco. I would like to know when I supposedly registered the first time. I would like to be able to get into my account. Speaking to a customer support person would be helpful if there is such a thing.

Business Response: Initial Business Response /* (1000, 5, 2016/01/19) */ ****** - If you are having trouble accessing your account, please submit a support ticket here: https://help.creditkarma.com/hc/en-us/requests/new?ticket_form_id=XXXXX I do not see any recent communications from you and would be happy to help. In order to find the correct account matching your personal information, I do require several pieces of information that are in these forms. Please let me know if you have any other trouble. Regards, ****** P. Member Support Manager

2/4/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I signed up for Credit Karma to see my credit report because I was told it was free based on aadvertisments. But in a few months time ,my credit score Mt credit scores dropped by 68 points due to hard credit checks that I did not approve. Loan companies have sent me emails, and called my number for loans I did not apply for since on Credit Karma. I am working hard to take care of my credit, now its 68 points because the links on Credit Karma are attached to loan companies and credit cards that I did not apply for. I want it removed from my account ,I did not authorize a hard check because I know I cant get loans, so why would I authorize them. I will report it to BBB.

Desired Settlement: I want the 68 points restored because I did not authorize a credit check from any of the loans or credit cards.

Business Response: Initial Business Response /* (1000, 5, 2016/01/15) */ ******* - Credit Karma is a free service meant to show you how different actions might impact your credit score. The scores and credit reports you see on our site come directly from the bureaus TransUnion and Equifax. Your scores can change for many different reasons, and can change at any time. If you did not authorize the hard inquiry, it can be removed. If you have a hard inquiry that you did not authorize, you may need to file a dispute with the credit bureaus to have it removed. To file a dispute with TransUnion, please head over to the TransUnion site here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page To file a dispute with Equifax, please head over to the Equifax site here: https://www.ai.equifax.com/CreditInvestigation/home.action The 10-digit confirmation number is *not required* to fill out this form. Let me know if you have any more questions. Regards, ****** P. Member Support Manager

2/2/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I'm an id theft victim and credit karma is allowing the thief access to my information Credit Karma has an email address **********@aol.com under my social security number. I've asked they remove it being I'm an id victim. They keep sending me form emails. I filled it out once only to notice it would go to the email address I'm disputing. The email address is an aol account when aol was popular about 20 years ago which is around the time my identity was stolen.

Desired Settlement: I want the ********23aol.com account closed permanently. I want any other inquiries of my social security/credit to be followed with a call or email to me at ****************@gmail.com XXX-XXX-XXXX any attempted changes to be addressed to the aforementioned contacts as well.

Business Response: Initial Business Response /* (1000, 5, 2016/01/14) */ ******** - The account in question was deactivated when you first contacted us in January 2015. As part of our commitment to security and privacy, and pursuant to our Privacy Policy (https://www.creditkarma.com/about/privacy), we are not able to disclose any information outside of an official request from a government agency. If you choose to file a police report, we would be happy to cooperate with the investigation. Please have the officer or investigator contact the Member Support Manager directly at *****@creditkarma.com. Thank you for your patience. Regards, ****** P. Member Support Manager

2/1/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: False advertising of "credit score" being directly from Bureaus. When compared to Bank and actual bureau, they fluff it up by 70+ points. The result is I when out and applied for credit believing my score was reasonable and I was denied the credit request. This denial and associated hard credit checks on my record lowered my score even further. So, the service that claims to help improve my situation, lead me astray and that resulted in hurting me further.

Desired Settlement: Credit Karma is hurting people by using non-standard credit scoring that actual banks and even the bureaus do not report on their own website. The damage they do is unquantifiable.

Business Response: Initial Business Response /* (1000, 5, 2016/01/11) */ ****** - Credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. Each credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. In addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. On your Credit Karma account, you will see the VantageScore 3.0 scoring model, provided individually by TransUnion and Equifax. VantageScore 3.0 incorporates a broader set of credit-related data and can score up to 30 million more people than other models. With so many different scoring models out there, you never know which score a bank will use, but VantageScore 3.0 is a strong predictor for what the banks may see. **ease let me know if you have any further questions. Regards, ****** ** Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2016/01/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) The problem is that the very banks that Credit Karma is referring people to DO NOT use this VantageScore 3.0! I linked to a credit offer from the Credit Karma site to one of their sponsor banks. I was denied credit based on a credit score 70 points lower than this "VantageScore". So the very response from them to you shows their deception. This is what a bank "may" see. No, it is not even close. Credit Karma should provide the name of ANY bank that uses this VantageScore to assess credit risk. If they cannot, then it is clear that there is NOT even ONE bank that "may" see such a score. Because of them convincing me to link to a bank to apply for credit caused a hard credit inquiry on my account which in turn lowered my REAL credit score even lower. Credit Karma was paid an advertising fee to refer me to a bank that it clearly knew did not use VantageScore. Again, since Credit Karma is claiming banks may see this score, they should post CLEARLY on their site which banks use VantageScore EVER! This is clearly deception and they know it. Final Business Response /* (4000, 9, 2016/01/19) */ ****** - Unfortunately, we can't know for sure if lenders will approve or decline applications, as it's totally up to the lender. However, we do the best we can by basing our approval odds on historical data. Many factors besides a credit score go into a lender's decision on whether or not they grant you credit. Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you. We'll be the first to admit that we don't always get it right, but please know that we're always working to build better models and give people the best information that we can. Our goal is to always do what's best for our members. Regards, ****** ** Member Support Manager

2/1/2016 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: I attempted to sign up for Credit Karma "free" credit report and it tells me they cannot access my information without me providing them without my ID As they had requested my social, and I did provide that as well as my name and address, I am now worried that this organization may be a scam, and I am not about to turn over more identification. What can I do to prevent them using what information they do have. They did not provide the free credit reporting as promised.

Desired Settlement: Investigation into their practices and usage of information on individuals.

Business Response: Initial Business Response /* (1000, 5, 2016/01/12) */ **** - I understand that you're having some trouble with registration. It looks like we were unable to verify your identity based on the details you provided. Until this is resolved, for security reasons, we can't give you access to Credit Karma's registered member services. In order to gain access to your free credit score on Credit Karma, please download, complete and return this form (https://help.creditkarma.com/hc/en-us/article_attachments/XXXXXXXXX/Confirm_Registration.pdf) with the requested documentation. **For security reasons, please do not send your personal information or documentation by e-mail.** Feel free to let me know if you have any other questions. Thanks for your patience! Regards, ****** P. Member Support Manager

2/1/2016 Problems with Product/Service | Read Complaint Details
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Complaint: No resolution for my problem. No contact number for company and auto reponse emails are getting old. About to contact lawyer. My ex wife created an account without my knowledge. this has prevented me from creating an account. I had emailed the company back in may and some **** guy was handling my issue. I did what was asked. I sent over a copy of my license and birth certificate. STILL nothing. I think the only thing they did was suspend that email that was used by my ex wife. So now i go to create an account and i get to step 3 and it says ooops it looks like you are already a credit karma member??? REALLY HOW??? when your records can not find my name or ssn linked with any account But im already a credit karma account member....I would like to know how this company doesnt have a contact number??? and how their policies can allow anybody to check up on peoples scores. Then you wonder why there are so many issues with folks having identity problems.

Desired Settlement: For credit karam to resolve this issue actually anything with my ssn, name, and those documents i sent, I want it all wiped out and destroyed. Ill take my business elsewhere!!!! and maybe for everyone else's sake especially all the complaints on here ive seen with other people, How about this company get a direct number or actualy customer service reps that actually talk to you on the phone instead of a stupid auto response email replyer.

Business Response: Initial Business Response /* (1000, 5, 2016/01/08) */ ****** - I'm sorry for the frustration. We have not yet received your documents, so we have not processed them. We anticipate that our turnaround time on mail and faxes may be slightly longer than 5 business days as we are experiencing a higher than average number of requests from members. If it has been longer than 5 business days, you are welcome to resend your information and we will respond to you directly once we have processed the documentation. Your account was deactivated and will remain so until we receive the requested documentation. As part of our commitment to security and privacy, and pursuant to our Privacy Policy (https://www.creditkarma.com/about/privacy), we are not able to disclose any information outside of an official request from a government agency. If you choose to file a police report, we would be happy to cooperate with the investigation. Please have the officer or investigator contact the Member Support Manager directly at *****@creditkarma.com. Thank you for your patience. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2016/01/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) I sent my documents to this company dec 22nd at 11:33 am via email. This company has my documents and has everything they asked for but STILL refusing to solve my issue!!! Final Business Response /* (4000, 9, 2016/01/19) */ ****** - As we are unable to download or view attachments via email, we cannot accept your documents via email. As instructed in our previous correspondence to you, please mail or fax your documents. Thanks for your patience. Regards, ****** P. Member Support Manager

1/28/2016 Problems with Product/Service | Read Complaint Details
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Complaint: I received an email welcoming me to Credit Karma but I never signed up for an account. I have tried repeatedly to get them to delete my email address. I received an email welcoming me to Credit Karma but I never signed up for an account. I have tried repeatedly to get them to delete my email address but each time they tell me to fill out a help form on their web site as if I were a customer. Someone used my email address to sign up but it wasn't me. All I want is for them to remove my email from their records.

Desired Settlement: I want ,y email address and account removed from their records.

Business Response: Initial Business Response /* (1000, 5, 2016/01/11) */ ****** - It appears that we have removed your email address from our database as of 1.5.2016. Please let me know if you have other questions. Regards, ****** P. Member Support Manager

1/27/2016 Problems with Product/Service | Read Complaint Details
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Complaint: I did not sign up but got a welcome email. I followed your instructions to correct the problem but you have not corrected the problem. The welcome email says to contact support if you didn't sign up and received the email by mistake. I didn't sign up, so I contacted support. I received what I believe is an automated message telling me to visit your website and provide my birth date so you could continue! I followed your instructions and replied above the line in the email three times. I receive the same canned answer about not having enough information each time. I refuse to visit your website and provide my name and birth date so that you can associate that information with your other uses of my email address.

Desired Settlement: Simply delete, modify or adjust whatever account has erroneously supplied my email address to you. You certainly did not require verification when whomever provided that address and that is something you ought to consider.

Business Response: Initial Business Response /* (1000, 5, 2016/01/25) */ ***** - It's possible that someone may have accidentally used your email address to register for Credit Karma. I have removed your email address from our database so that this should no longer be a problem. If you'd like me to investigate further to ensure that the account in question is not associated with your personal information, please reply with your full name and date of birth. I apologize for any confusion and thank you for your patience. ****** P. Member Support Manager Initial Consumer Rebuttal /* (2000, 7, 2016/01/27) */ (The consumer indicated he/she ACCEPTED the response from the business.) Your system should require validation of the email address supplied by a new registrant, a common practice, before enrolling the owner of the address into a system which requires your collection of personal and private information, my birth date, to cease such enrollment. You may need to review CASL - Canadian Anti-Spam Legislation - to avoid accidental violations. If your system facilitates any third party to access my private and personal information without my consent, that shall be a challenge for your company to address on a much larger scale. I am satisfied with not receiving your emails regarding a service which I do not wish to participate in. Thank you, *****

1/26/2016 Advertising/Sales Issues | Read Complaint Details
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Complaint: Credit Repair Credit one Bank $535 FST PREMIER Bank $430 Verizon $583 There closed they should be removed from my credit report

Desired Settlement: Credit Repair

Business Response: Initial Business Response /* (1000, 5, 2016/01/08) */ ***** - All of the credit report information on Credit Karma comes straight from TransUnion and Equifax, two of the three major credit bureaus. We're not a credit bureau, so we don't have the ability to make changes to your credit report. At Credit Karma, we focus on providing credit score and credit health resources. If you would like to review your full credit reports, please click on the following links to view your report: TransUnion credit report: https://www.creditkarma.com/myfinances/creditreport/transunion#overview Equifax credit report: https://www.creditkarma.com/myfinances/creditrep ort/equifax#overview To correct errors you see on Credit Karma, you must file a dispute directly with the credit bureau that shows the error. To file a dispute with TransUnion, please head over to the TransUnion site here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page To file a dispute with Equifax, please head over to the Equifax site here: https://www.ai.equifax.com/CreditInvestigation/home.action NOTE: The 10-digit confirmation number is *not required* to fill out this form. You can also find more information on the dispute process here: http://www.creditkarma.com/article/dispute-credit-report-errors Let me know if you have any more questions. Regards, ****** P. Member Support Manager

1/25/2016 Billing/Collection Issues | Read Complaint Details
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Complaint: System issue I have been trying to reach someone at this company for a week now. I have been trying to have my account login information reset, and their faulty system is emailing me EVERYTHING except the email to reset my pass ******** have emailed their customer support team, and getting emails about everything EXCEPT resolving my issue.

Desired Settlement: I need my passcode ****** simple as that!

Business Response: Initial Business Response /* (1000, 5, 2016/01/19) */ ****** - It appears that the email address you have been using to login and the email address on your active account are different. Our support specialist responded to you yesterday (1/18/16) regarding this matter and we are still awaiting your response. To expedite this process, please respond to her message as soon as possible. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (2000, 7, 2016/01/24) */ (The consumer indicated he/she ACCEPTED the response from the business.) Credit Karma have reached out to me and I now have access to my file. Thank you

1/22/2016 Advertising/Sales Issues | Read Complaint Details
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Complaint: false advertising i've seen Credit Karma commercials quite often and i was curious about my credit score... i submitted the "last 4 digits" of my social security number... my "credit score" appeared with a brief summary of recent activity thru the 3 major credit reporting agencies... when i click on any link to review my credit activity nothing happens... i get emails indicating inquires and activities,and i can review them... but when i click on the link to bring up the report i get a blank screen... i tried accessing my credit report directly to TransUnion, Equifax nothing happens... i am concerned because i am a recent victim of fraud and i'm afraid this is happening again... appreciate you reviewing my complaint and i look forward to your response...

Desired Settlement: i don't exactly know how i want this complaint resolved.... i would like to know why i can't access my credit report... i do want this complaint filed with BBB and Credit Karma... i feel that they are using false advertising in their commercials...

Business Response: Initial Business Response /* (1000, 5, 2016/01/19) */ ****** - I would love to help you out, but I am unable to find an account matching your personal information with the little personal information provided here. Please contact us directly by filling out this form, and we would be happy to research your issue. https://help.creditkarma.com/hc/en-us/requests/new?ticket_form_id=XXXXX Thanks for your patience. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (2000, 7, 2016/01/21) */ (The consumer indicated he/she ACCEPTED the response from the business.)

1/19/2016 Problems with Product/Service | Read Complaint Details
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Complaint: Numerous attempts to resolve attempted identity theft with no help from Credit Karma. In October of 2015, I found out an account existed in my name from identity thieves, who used a disposable email address. After over 2 months of contact, with three different requests for identity proof documentation, Credit Karma has still not resolved the issue, and is being NON responsive to any of my attempts to contact them. They continue to tell me it will be resolved within 5 days, but it is not yet.

Desired Settlement: I would like to be acknowledged by the company, and I would like access to the account that was created with my stolen social security number. NOW.

Business Response: Initial Business Response /* (1000, 5, 2015/12/28) */ ***** - It looks like previous documentation you sent to us was illegible, but your account was reactivated using your preferred email address on 12/28/2015. Please let me know if you have any further questions. Regards, ****** P. Member Support Manager

1/19/2016 Advertising/Sales Issues | Read Complaint Details
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Complaint: Kredit Karma is posting incorredt scores as the scores they are posting are 40 points higher then the National credit reporting agencies Posting incorrect scores 40 points higher then Equifax Experion or Transubion

Desired Settlement: Credit Karma is listng incorrect Fico scores. They are posting scores of 40 points higher then the national credit reporting agencies

Business Response: Initial Business Response /* (1000, 5, 2015/12/28) */ **** - Each scoring model has a slightly different formula for analyzing the many different factors of your credit report and each person has many different credit scores. On your Credit Karma account, you will see the VantageScore 3.0 scoring model, provided individually by TransUnion and Equifax. VantageScore 3.0 incorporates a broader set of credit-related data and can score up to 30 million more people than other models. With so many different scoring models out there, you never know which score a bank will use, but VantageScore 3.0 is a strong predictor for what the banks may see. Please let me know if you have any further questions. Regards, ****** P. Member Support Manager

1/15/2016 Problems with Product/Service | Read Complaint Details
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Complaint: I am having issues reaching a customer service representative regarding the security of my account and logging in. I am currently locked out of my account with credit karma. I have tried resetting and cancelling my account. I have requested account assistance through email with credit karma, they do not provide a phone number for assistance. Since this company has personal information about me such has my address and social security number I'm concerned my information is no longer secure. I would like my account canceled.

Desired Settlement: I would my account canceled and personal information removed.

Business Response: Initial Business Response /* (1000, 5, 2015/12/21) */ ******* - It looks like in our last communication with you, on 12/14/15, we canceled your account. Credit Karma is subject to certain record keeping and information retention requirements. Therefore, when you deactivate your Credit Karma account, we cannot delete your information outright. However, your information is stored on secure servers and your account will be inactive and inaccessible to anyone other than Credit Karma authorized personnel. You can read more in the "Terminating Your Account" section of our verified TRUSTe privacy policy here: http://www.creditkarma.com/about/privacy Please let me know if you have additional questions. Regards, ****** P. Member Support Manager

1/14/2016 Billing/Collection Issues | Read Complaint Details
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Complaint: Credit Karma has been unresponsive to my inquires of my identity theft. On October 13, 2015 I sent Credit Karma a letter. Credit Karma has not responded to my letter.

Desired Settlement: Here is a copy of the letter: This letter shall serve two purposes. First, it shall serve as request to close and remove any accounts in my name based on reason of fraud. Secondly, it shall serve as a request for all information relating to any inquires, applications or records regarding victim ***** *******. I, ***** *******, am a victim of identity theft. My name, SSN, DOB, address and phone has been used to open several credit accounts without my authorization. I discovered unauthorized accounts on 9/18/2015. The unauthorized accounts were opened approximately 9/10/2015 and after. Since this time, I have filed a police report with San Diego Police Department, case number: XXXXXXXX. I have reported the identity theft with the FTC, Ref. No. XXXXXXXX and I have placed an extended fraud alert on my credit report. (1) Please close all fraudulently opened accounts in my name that corresponds with the above dates and remove those accounts from my credit bureau report. (2) Pursuant to 15 U.S.C. § 1681g(e), please send me a copy of any application and business transaction records in my name. Please confirm all accounts opened in my name have been closed by reason of fraud. Please confirm the removal of those accounts from my credit report. Please confirm receipt of this request within 30 days. My name is ***** ******* *******. I was born in ******, *******, USA. I was born on *************, ****. The last four of my social security number is xxxx. My current address is 707 Tenth Ave. Unit ******************, XXXXX. I declare under penalty of perjury that the foregoing is true and correct. ***** *******

Business Response: Initial Business Response /* (1000, 5, 2015/12/01) */ ***** - We received your letter, and deactivated an account matching your personal information. No return address or email address was included in your communication to us, so we were unable to respond to your letter. **In order to reactivate it or change any information on the account you'll need to follow the steps below to verify your identity. It's a necessary procedure to ensure the security of the account.** Please download, complete and return this form: https://help.creditkarma.com/hc/en-us/article_attachments/XXXXXXXXX/Form__XXXXX.pdf with the requested documentation. **For security reasons, please do not send personal documentation via email.** Once I receive these documents, we try to update accounts within 5 business days. When your account has been updated we will let you know with a confirmation email. **In this circumstance, some people prefer to file a police report. If you are planning on filing a report, please have the police investigating the case contact us directly and we'd be happy to help provide any information that would be helpful for the investigation.** Please let me know if you have any questions about this process. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2015/12/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) Re-read the letter and respond to the letter. My written request was sent Oct 13. more than 50 days ago. That is well outside the 30 day response requirement by federal law. If you need another copy, My address is: XXX XXth *************************** XXXXX Final Business Response /* (4000, 9, 2015/12/16) */ ***** - I'm sorry, but I'm unable to re-read your letter as we destroy all mail immediately after processing as a security practice. Your account has already been deactivated according to our security practices. The instructions in my last response were provided in the circumstance that you would like to reactivate the account using your own personal email address. If not, you do not have to send anything and another account cannot be created using the same personal information on Credit Karma. As part of our commitment to security and privacy, and pursuant to our Privacy Policy (https://www.creditkarma.com/about/privacy), we are not able to disclose any information outside of an official request from a government agency. If you choose to file a police report, we would be happy to cooperate with the investigation. Please have the officer or investigator contact the Member Support Manager directly at *****@creditkarma.com. Thank you for your patience. Regards, ****** P. Final Consumer Response /* (4200, 11, 2015/12/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) Try re-reading the complaint.

1/4/2016 Problems with Product/Service | Read Complaint Details
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Complaint: This company sent me an email claiming I had opened an account with them. I have not. They insist I open a ticket & provide private information. I received an email from Credit Karma claiming I had opened an account with them, which I have not. Per their email, I forwarded the email to them and let them know I have NOT opened an account with them and to please remove my email information from said account. Their response is that I must open a ticket and provide them with my birthdate and other private information so they can find the account. How am I supposed to know the birthdate of the person who opened the account with my email address? I'm not going to give them all of MY private information. They refuse to correspond without me going to their website and jumping through hoops. Bad business practice opening an account without VERIFYING someone has access to the email account that they opened it under. Never should that happen! Email verification should be the first thing they do and then, and only then, should an account be opened or someone added to a spam list.

Desired Settlement: I want them to remove my information from the account that does not belong to me.

Business Response: Initial Business Response /* (1000, 7, 2015/12/16) */ ***** - Regarding your support ticket #XXXXXXX: I'd love to help you, but, there isn't a Credit Karma account associated with the email address you're emailing us from (in the above support ticket). If you could send over the specific email address to which you are receiving unwanted emails, I'll be able to investigate further. Thanks for your patience, ****** P.

1/4/2016 Delivery Issues | Read Complaint Details
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Complaint: Business refuses to respond (many weeks) to issues of private data being sent via email and refuses to delete account. Issues included but are not necessarily limited to: 1. Refuses to respond and continues to ignore my inquiries and concerns. I've waited many weeks and tried a few times with no response from this business. 2. The business has refused to address the issue of sending private data by email. This is an alarmingly poor practice, first of all. Secondly, they violated my privacy. This business sent personal credit information via email --- at least in the form of a credit score. Email is not a secure means of communication. They did not have permission to do so, and they should know NOT to do something like this. This activity is alarming for a company centered on personal credit information. Yikes! It is also suspicious they won't respond. 3. This business refuses to close my account. They claim they are not allowed to close my account and can only deactivate it. I don't believe them. Further, this allegedly required deactivation step is horribly insecure. And even further, in so doing they are continuing to violate my privacy by having a feedback mechanism on the site that earlier disclosed an account associated with email address and now discloses it is associated with a deactivated account.

Desired Settlement: This business needs to take multiple steps. While the following isn't actually adequate considering damage and usurpation of time, these are the minimal steps the company should move hastily to accomplish: 1. Review customer support processes and mechanisms. I should not be waiting and waiting and waiting. 2. Cease sending sensitive private information via email. It's obviously too late to actually undo what was done to me and the sensitive is now sitting on various servers all over the place that transmitted emails. In the least, they need to cease doing this. It is highly irresponsible and 100% unnecessary. While I shouldn't actually have give free development advice, it would be an incredible simply and effective change for this business to change emails to "generically" notify of a change in credit information or score etc. 3. They WILL delete my account. If the business objects further, then provide the clear and compelling legal basis for not being allowed to do so. Then correct the site issue disclosing association of account with my email address.

Business Response: Initial Business Response /* (1000, 5, 2015/12/16) */ ******* - It looks like we responded to your support ticket in October 2014, indicating that we deactivated your account. Pursuant to our Privacy Policy, we retain this information for two years, after which we anonymize it. https://www.creditkarma.com/about/privacy "Terminating Your Account If you wish to terminate your account with us, please follow the instructions detailed in the Terms of Use. Credit Karma must comply with certain recordkeeping and information retention requirements. Therefore, we cannot delete your account information outright when you request to terminate your account. However, we will disable your account, which will be inactive and not accessible to anyone other than Credit Karma authorized personnel. Moreover, once your account is terminated, you will not receive any further communications from Credit Karma. Except to the extent necessary for legal or regulatory recordkeeping purposes, your data will be anonymized after a period of two years and then may be held by us indefinitely. It may take an additional limited period of time for our automated backup systems to process the anonymized accounts." Credit Karma members are always welcome to opt out of all communications from us in our communications settings within your account. Please let me know if you have further questions. Regards, ****** P. Member Support Manager

1/4/2016 Problems with Product/Service | Read Complaint Details
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Complaint: Signed up into credit karma WITHOUT MY PERMISSION. never visited this site before yet somehow have an account GET ME OFF On December 8 at 1204 pm I received two emails from credit karma welcoming me to their site and what services will be added to my account. Only this is I NEVER SIGNED UP WITH CREDIT KARMA! I've never been to their site nor have I ever created an account with them. Went to their site looking for a number to call and cancel this so called account and all they have is an email address where they state they respond to the messages in 3-5 business days. That is too long to be having a fraudulent account opened in MY NAME! Have sent 4 emails demanding they close this account IMMEDIATELY.

Desired Settlement: I want this account closed and to no longer be contacted by this business.

Business Response: Initial Business Response /* (1000, 5, 2015/12/16) */ ***** - Thank you for sending us a support ticket regarding this matter. We have responded to your support ticket regarding the details of this account and the action required on your part. Please feel free to follow up with this ticket if you have further questions. Regards, ****** P. Member Support Manager

12/28/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Customer service contact I cannot access my account and cannot connect with this company

Desired Settlement: I want their customer service to call me. I cannot submit an email request. Link is not working.

Business Response: Initial Business Response /* (1000, 5, 2015/11/23) */ ********* - It looks like you're having trouble with logging into your account. If you still need to reset your password, please click here: https://www.creditkarma.com/auth/******* If you continue to have trouble, please feel free to fill out our support form here: https://help.creditkarma.com/hc/en-us/requests/new?ticket_form_id=XXXXX Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2015/11/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) The response is directed To me as something is wrong with my system. The message that "it appears that the link to reset my password *** expired". Still appears when I open that link in the password ***** link. I am opening immediately upon receipt. So no help! And they do not even suggest a number to reach them for help. Final Business Response /* (4000, 11, 2015/12/16) */ We would be happy to assist you, but need to review your account. Please submit a ticket using this form (https://help.creditkarma.com/hc/en-us/requests/new?ticket_form_id=XXXXX) and we'll happily look into this issue for you. Regards, ****** P.

12/17/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: False credit info provided Although some areas in the credit report are accurate, our credit scores are not. They are off by 100 points or more. Very frustrating when monitoring your credit.

Desired Settlement: Display accurate credit scores

Business Response: Initial Business Response /* (1000, 7, 2015/12/16) */ ******* - Credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. Each credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. In addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. Each scoring model has a slightly different formula for analyzing the many different factors of your credit report and each person has many different credit scores. On your Credit Karma account, you will see the VantageScore 3.0 scoring model, provided individually by TransUnion and Equifax. VantageScore 3.0 incorporates a broader set of credit-related data and can score up to 30 million more people than other models. With so many different scoring models out there, you never know which score a bank will use, but VantageScore 3.0 is a strong predictor for what the banks may see. Hope this helps! If you have more questions, please feel free to let me know. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (2000, 9, 2015/12/17) */ (The consumer indicated he/she ACCEPTED the response from the business.) They provided sufficient details

12/17/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Someone has tried to access my financial information through Credit Karma. The company is not available to contact. I received a notice that someone has accessed my credit information through Credit Karma. This was troubling as access to my personal financial information can be used to commit identity and credit card fraud. I immediately tried to contact Credit Karma, but they have no direct means of contact. The have an online message service, that says that it may take up to three days to respond and if you try to respond to the email it will lengthen the response time. This is clearly a time sensitive issue as someone with access to my credit information could be racking up debt in my name.

Desired Settlement: I would like Credit Karma to ensure that my personal information is secure and to contact me

Business Response: Final Consumer Response /* (2000, 6, 2015/12/17) */ This is business has adequately resolved the issue. Thank you so much.

12/10/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Misrepresentation/Scare Tactics In August 2015 my credit score was "Good" in the 700's and now without any negative change in my credit activity (at least not on my part), quite the contrary; I have settled two accounts paying them in full (one was closed already and the other remains active), leaving me with only one active credit card and a total of two excellent lines of credit, which are in good standing. But now, on Credit Karma, I see my credit score, from Transunion (at 623- Poor) and Equifax (at 663 - Fair). And the help Credit Karma(CK) offers is "opportunities to improve your credit", which is a choice of a couple of credit cards that they "recommend" to help your credit! There is not one disclaimer advising you that applying for anyone of these cards is considered a "hard inquiry" that will impact your credit negatively and that it stays on your credit report for 2 years! And it turns out that CK misrepresents the recommended cards because they make it sound like these cards are a "sure thing", but when you apply you get turned down because your credit isn't good enough, then they recommend yet another card and the nightmare repeats itself! You become a character in "Ground Hogs Day". So according to them in a month and a half, without making any hard inquiries, paying in full two out of three credit lines, my credit, again according to CK is plummeting. The implication is clear: CK "offers" the "opportunity" to "apply now" for a new credit card and by doing this the member's credit will improve, and then after the members follows this dubious advice and they are in an even bigger credit hole, CK offers yet another "opportunity", companies that offer consulting advice to help them. This is the way, Credit Karma, clearly makes it's MONEY! These are good old-fashioned kick-backs. And thousands of people have gotten wise to these dubious practices! There are complaints about Credit Karma all over the internet related to this issue and that this answers the question: how does Credit Karma make money? Because according to them. their credit report service is free! I have reached out to CK through their website, since there is no other way to talk to a representative, and Jean-Luc a Member Support Specialist, was in contact with me until he wasn't i.e., when he didn't want to deal with me anymore (or maybe it was out of his realm of training) he closed the "ticket" on my case. So there was no resolution to my complaint!

Desired Settlement: Firstly, that they remove the "hard inquires" that were a direct result of their recommendations for credit cards that would "improve" my credit. And secondly, that they explain to my satisfaction why, in a month and a half my score went from being in the 700's (Good) to in the 600's (Fair to Poor) without any negative activity on my credit? On the contrary, I was able to clean up my credit and pay two accounts in full and am current on my active accounts!

Business Response: Initial Business Response /* (1000, 5, 2015/11/23) */ **** - You have a number of different items to address, so please be sure to read through each of these items below. Your credit score can change at any time, or stay the same for quite some time. There are many factors that impact your score, so specific credit activity may not always result in the kind of change you expect. The information shown in the Credit Factors (https://www.creditkarma.com/myfinances/scores/) were developed by Credit Karma as a way to present the key components impacting your credit score in an easily understood format. Please keep in mind that the factors as they are presented here ("Excellent" to " Very Poor") do not directly affect the credit score calculation you see on this page: (https://www.creditkarma.com/myfinances/scores), as those scores are created using the VantageScore 3.0 model, and are provided by TransUnion and by Equifax. The Credit Factors are only meant to help members see how they compare on average. The "Excellent" to "Very Poor" are determined by averaging the scores of Credit Karma members within each range. This doesn't mean that all members with a "Poor" or "Very Poor" in one particular category will have a low credit score, but that *on average* members within that range have a lower credit score. On our page, you will see many disclaimers. Regarding our Approval Odds: We look at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices. When you leave our site to visit one of our partner sites, each partner also provides a number of disclosures during the application process. If you did not authorize the hard inquiry, it can be removed. If you have a hard inquiry that you did not authorize, you may need to file a dispute with the credit bureaus to have it removed. Please feel free to let me know if you have any more questions. ****** P. Member Support Manager

12/10/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Not heard back upon mailing a certified letter with copies of my IDs. Can't get ahold of anyone to let me know how to move forward. My identity was compromised on their site. When I went to open an account I was not able to because someone had already used my information. Customer service has no phone number so after weeks of email communications I was told if I mail them copies of two fro.s of IDs thed get back to me in five days. Isent them the info 9/16 it arrived 9/18 they picked it up 9/24. I have yet to hear back. I've tried to contact them several times via email. They respond by sending me a link to fill out a form for a new case. This is automatically sent. I've filled out a few just desperate for information. Then today I couldn't even submit the form on their site. I decided that was the last straw

Desired Settlement: I'd like credit karma to erase any previous file of me or using my information. So I can open a new account and monitor their credit. I'd like a representative to call so we can proceed.

Business Response: Initial Business Response /* (1000, 5, 2015/10/16) */ ******* - We try to process all mail within 5 business days after is has been received. We process and then immediately destroy all mail. If you have not been contacted by a member of our team, we have not yet received your documents. Please feel free to send along another copy of your documents or contact the post office regarding the lost item. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2015/10/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) I sent my documents via certified mail, you signed for them, your company lost them. it concerns me to have that information in irresponsible hands. Just move forward on the premise that I am me and close all accounts opened under or with my name Final Business Response /* (4000, 21, 2015/11/10) */ ******* - Maybe I haven't been clear - The account matching your personal information is already deactivated. If you are sending documents, it is because you intend to update the email address on the account to be tied to your personal email address. We would reactivate the account in that circumstance. As of right now, the account will remain deactivated and another account cannot be created using the personal information on the account. Credit Karma is subject to certain record keeping and information retention requirements. Therefore, thought we deactivated the account, we cannot delete your information outright. However, your information is stored on secure servers and your account will be inactive and inaccessible to anyone other than Credit Karma authorized personnel. If you choose to file a police report, we would be happy to cooperate with the investigation. Please have the officer or investigator contact the Member Support Manager directly at *****@creditkarma.com. Thank you for your patience. ****** P. Final Consumer Response /* (2000, 29, 2015/12/10) */ I am satisfied with the outcome. Credit karma followed up and resolved

12/8/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Unwilling to remove inaccurate information on my credit file left from identity theft In 2011 I moved to ******************************. In 2012 my car was broken into and my wallet was stolen from under the rug. Someone in Georgia stole my identity and I learned about it at the end of 2014 when I was denied credit. As of early 2015 all of the credit bureaus - TransUnion, Experian, and Equifax all have my corrected information on their bureaus. I have had my credit restored and my real name and address, place of work, and my real credit accounts are all updated in my credit file. I have repeatedly tried to remove the false name and address from Credit Karma. Someone in Georgia was using my information and created a fake Credit Karma account using my old name and their address. It took me 3 letters giving Credit Karma birth certificates, copies of my license, check stubs, you name it. All my correct information was on all those letters I sent them to re-claim the Credit Karma account that some fraudster in Georgia had falsely made in my old name. Now I have a clear record with all the credit bureaus and Credit Karma is still refusing to update my name which was printed on my driver's license and check stubs etc. All my information is showing correct on all 3 bureaus. Credit Karma has NO RIGHT to smear my former name and place it in some fraudulent account showing some identity thief's address in their files. That has all been removed by the legitimate credit bureaus. Credit Karma must use my real name and real address NOW!!!

Desired Settlement: Credit Karma must be accessible! You must create a working phone number and deliver the service you claim to deliver instead of inaccurate **** garbage! It is not a joke to people when they send you all their personal personal personal files with birth certificates and copies of pay stubs and proof of this and that and licenses with OUR REAL NAMES AND ADDRESSES and you CONTINUE TO PUBLISH FALSE INFORMATION!! You must become responsible. When people send you the proof you request you MUST update your files and RESPECT THE VICTIMS OF IDENTITY THEFT!!! You are perpetuating A CRIME!! AGAINST REAL PEOPLE!! Get your information right! MATCH YOUR INFORMATION TO CREDIT BUREAUS! You cannot argue with a state issued ID! A passport! A birth certificate! Get our names right! We are people!!

Business Response: Initial Business Response /* (1000, 5, 2015/09/21) */ *********, I would like to assist you in addressing this issue, but I cannot find a Credit Karma account matching the personal information you have provided here. If you would like us to research this issue further, please contact us directly by filling out this form. This form requests specific information that helps us to find you in our databases. https://help.creditkarma.com/hc/en-us/requests/new Thanks for your patience. ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2015/09/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is in response to BBB CASE#: XXXXXXXX. My identity was stolen by people in Georgia in 2012. I have since had all this old information removed from all 3 credit bureaus. I had to contact you twice by sending in my birth certificate, divorce decree showing my name change, official driver's license, and many other documents. At that point you allowed me to take control of the Credit Karma account created by a fraudster in Georgia. Now, 3 years later I am still unable to remove fraudulent names and adresses and other information from your Credit Karma website. I have phoned all 3 credit bureaus and they have my correct name and a real address for me. I have been unable to correct this information on the Credit Karma website. I have emailed you and gotten no help whatsoever. I have now escalated this issue to BBB. I am waiting for your response on fixing this issue for me. Final Business Response /* (4000, 14, 2015/11/10) */ As previously stated, we simply take the information that is on the reports that come directly from the bureaus TransUnion and Equifax and put it into an easily readable format. We cannot make changes, we can't update the information on your reports. We are not a credit bureau. I am sorry for the frustration, but you will need to contact the bureaus directly in order to have the additional names removed from your reports. ****** P. Final Consumer Response /* (4200, 16, 2015/11/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) Since this Credit Karma account was fraudulently opened by someone who stole my identity and you are unwilling to correct erroneous information you must immediately shut down this account permanently. If you do not, I have contacted a lawyer and will be suing you according to the Fair Credit Reporting Act which protects me from this type of abuse perpetuated against victims of identity theft. I have all three copies of my credit report from the credit bureaus and none of them have the information you are reporting. You must close this Credit karma account permanently and prevent anyone else from creating an account using my social security number in the future.

12/7/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: Credit Karma provides misleading credit score information. Credit Karma provides misleading credit score information. First time I signed in, my score was 721 (what I expected). The very next month, e-mail from Credit Karma prompted me to update my info with bizarre score result 679 (Transunion) or 691 (Equifax) on 11/2/15... I went to Three Bureau Report on 11/4/15, Paid Money to find out...my score was 728 or 713 accordingly. This is a big gap, which I believe, intentionally created to make customers believe they need to double check their scores by looking into other agencies...and ending up paying for services nevertheless. I am very disappointed.

Desired Settlement: Credit Karma must let their users know about its misleading practice.

Business Response: Initial Business Response /* (1000, 5, 2015/11/10) */ ***** - Credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. Each credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. In addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. On your Credit Karma account, you will see the VantageScore 3.0 scoring model, provided individually by TransUnion and Equifax. VantageScore 3.0 incorporates a broader set of credit-related data and can score up to 30 million more people than other models. With so many different scoring models out there, you never know which score a bank will use, but VantageScore 3.0 is a strong predictor for what the banks may see. Please let me know if you have any further questions. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2015/11/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) Unfortunately (or fortunately) mortgage /loan lenders only use Three Leading Credit Score Bureaus: Transunion, Equifax and Experian. What credit-score MODEL those Bureaus adhere to I don't care. All I want to know is my creditability (unless, my credit is in red zone, then I will be looking deeper). After all, it doesn't matter to me what model is used, - I have no influence to the outcome of used models, only to my own doing: paying in time, having long credit history, having some existing credit, etc. Your site provided me with Transunion score which was tremendously low comparing with your information given to me three weeks prior. The latest score from you wasn't even close to REAL Transunion credit score. Nothing on your web site explained WHY my score dropped that low. You only gave me some vague description about using different models.... and not a word about what affected MY Credit Score. As a result, I assumed identity theft and didn't have a choice but to get my TRUE scores from FreeCreditReport.com and paid them $39.95 which showed me I was in a good shape after all (I used three bureaus report to be 100% sure; the reason I ended up paying $$). I am insisting you inform your potential users in a future, that information you provide (second time) is NOT the REAL Transunion score, but something similar to Transunion MODEL. Final Business Response /* (4000, 9, 2015/11/23) */ ***** - I'm sorry for the confusion. There is no "one true credit score". This is why I provided you with the previous response. On our site, you will see your VantageScore 3.0 score provided by TransUnion and Equifax. When you go and apply for a loan or a credit card or any kind of credit through a lender, you will likely not know what scoring model they are using. Even if you do know that they use VantageScore 3.0 or FICO, there are many different models. One could be an auto-loan model, one for a mortgage, etc. These models can take into account many other factors. Separately, the score is not the only factor taken into account when you apply for credit. There are many other factors, such as your income, your income:debt ratio, your length of employment and many other factors could all contribute to a lending decision. The information shown in the Credit Factors (https://www.creditkarma.com/myfinances/scores/) were developed by Credit Karma as a way to present the key components impacting your credit score in an easily understood format. Please keep in mind that the factors as they are presented here ("Excellent" to " Very Poor") do not directly affect the credit score calculation you see on this page: https://www.creditkarma.com/myfinances/scores/ , as those scores are created using the VantageScore 3.0 model, and are provided by TransUnion and by Equifax. The Credit Factors are only meant to help members see how they compare on average. The "Excellent" to "Very Poor" are determined by averaging the scores of Credit Karma members within each range. This doesn't mean that all members with a "Poor" or "Very Poor" in one particular category will have a low credit score, but that *on average* members within that range have a lower credit score. Credit scores are based on many different factors and can change for unanticipated reasons. We don't have specific insight into why your score dropped, so the best thing to do is to monitor your score and continue to make good financial moves to improve your score. I'm sorry that your experience was not what you expected - please feel free to let me know if you have other questions. Regards, ****** P.

12/4/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: This company provided information regarding my private information regarding a current loan to my ex-husband of more than 5 years. My exhusband, ***** *******, contacted me two days ago to ask me if I were doing a loan. When I inquired with him regarding how he know this information, he reported that Credit Karma had given it to him.

Desired Settlement: I want them to STOP sending my ex-husband information about me. This is a breach of my private information. I also want a complete list of all information that this company has provided to my ex-husband about me in the past.

Business Response: Initial Business Response /* (1000, 5, 2015/11/16) */ ***** - One of our support advocates has reached out to you regarding this account. Please respond accordingly and know that we have already deactivated the account. Thanks for your patience. Regards, ****** P. Member Support Manager

11/26/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: False advertising I wasted an hour trying to sign up for their service as directed by their emails, only to find out that in must mail my passports *** drivers license copies to their office. This is highly atypical and either not correctly represented in their advertisements or part of a scam. Customer service is nonexistent.

Desired Settlement: Advertisements need to accurately reflect the process. This is not instant, easy, or typical of similar companies procedures.

Business Response: Initial Business Response /* (1000, 5, 2015/11/23) */ ******* - I'm sorry that this has been frustrating for you. Unfortunately, our responses to you via our support system remain the only course of resolution. You will need to send the form and requested documents to verify your identity. The verification questions come to us directly from the credit bureaus and are in place to accurately match you to your credit report. Because you were unable to answer them correctly, we require that you send in the documents to verify your identity. Once we receive the documents, we will follow up with you via email to confirm. Please let me know if you have other questions. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (2000, 7, 2015/11/25) */ (The consumer indicated he/she ACCEPTED the response from the business.) They obviously have no intention of even addressing the problem, so I have no other choice but to accept and move on

11/23/2015 Problems with Product/Service | Read Complaint Details
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Complaint: When I try to log in, I get a statement that user name or password ** not correct. I recently tried to login about a week ago and received the message that user name or password ** not valid. I tried to reset but never received a response. Have been a member for years and have NOT changed my email, name or password. When email c/s there was a response form a*******, she asked if I had made any changes, I stated no and ask what was going on. I have emailed again and would like to get this resolved but Credit Karma makes everything way to difficult. Please contact me and let me know what is going on. Thank you

Desired Settlement: Open my account back up and let me know what is going on!

Business Response: Initial Business Response /* (1000, 5, 2015/10/16) */ ***** - I'm sorry for the inconvenience. We were having some difficulty locating your active account based on the personal information provided. We have made some adjustments and you should now be able to access your account again. I apologize for any inconvenience and please let me know if you have any other questions. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (2000, 7, 2015/10/20) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you very much ****** P. Member Support Manager, I have finally been able to access my account again! Final Consumer Response /* (3000, 11, 2015/11/02) */ When I try to log in, I get a statement that user name or password ** not correct. Ms. ****** ******* responded stating all is well, same thing again Previous complaint BBB CASE#: XXXXXXXX When I try to log in, I get a statement that user name or password ** not correct. Ms. ****** ******* resonded "We have made some adjustments and you should now be able to access your account again. I apologize for any inconvenience and please let me know if you have any other questions. Regards, ****** P. Member Support Manager" Was able to access for a few weeks, as of today i am locked out once again. Previous complaint BBB CASE#: XXXXXXXX Open my account back up and let me know what is going on! Provide contatct info so i do not have to file repeated complaints for the same issue. Final Business Response /* (4000, 13, 2015/11/06) */ ***** - It appears you were able to access your account on 11/5/2015. Please let me know if you continue to have trouble. Thanks for your patience. ****** P.

11/20/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Incorrect information provided resulted in a severe decrease in my credit score. Credit Karma kept giving me suggesting on secured credit cards to help restore and regain my credit history after a bankruptcy. They had all my information including salary and credit status. Each one was denied causing HARD inquiries on my scores and reducing it by 17 points ! This is unfair because I was only going by their suggestions as this is what they will built to do...HELP not hurt my score.

Desired Settlement: I would like for them to either correct my credit score removing the hard inquiries and setting me up with a company that will accept my current status and offer a new start with my credit building through a secured credit card company.

Business Response: Initial Business Response /* (1000, 5, 2015/10/26) */ ******* - Unfortunately, we can't know for sure if lenders will approve or decline applications, as it's totally up to the lender. However, we do the best we can by basing our approval odds on historical data. Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you. We'll be the first to admit that we don't always get it right, but please know that we're always working to build better models and give people the best information that we can. Our goal is to always do what's best for our members. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2015/10/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) Thank you for your response. As I understand your explanation, I believe that it is false advertisement. You look into the history and data, etc. and then say that I had a good opportunity based on my data, income, etc. You have a relationships with the companies that you advertise for. I believe its unfair that my credit score dropped 17 points for a recommendation that you sent to ME...the false advertisement and failure to be clear that your suggestion of having great chances leds a person to believe in your service and that you are helping. This did not help my credit it made it worse. I respectfully request that something outside of your explanation be done to make up for this severe hardship you caused. I look forward to hearing from you soon. Final Business Response /* (4000, 9, 2015/11/02) */ ******* - Each lender may take into account different factors during your application process. Our disclosures read as below (as of 11/2/2015): " We look at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices." and " Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from May 2015 through October 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article." Please let me know if you have further questions. ****** P. Final Consumer Response /* (4200, 11, 2015/11/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) ****** P Thank you for the detailed explanation and avoidance of my issue. It is clear that you really are not concerned with the consumer and have offered no form of recourse. You are sticking to a "script" that once again is not clearly disclosed to the consumer. I will be sure to make it clear to the the media how has affected me and I am sure many other consumers. *******

11/18/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: There was a fraudulent account opened with your company using my personal info. I can't contact anyone to get assistance. I went on your website to set up an account to pull my credit reports and entered all of my personal information. A screen popped up that stated that there was already an account set up. I chose the "forgot password" option and it showed another screen that read that a password *** sent to my email address. The email address that showed was an Outlook email and I do not have an Outlook email address. I have sent multiple emails to *******@creditkarma.com and have gotten no response.

Desired Settlement: Please assist me with having this account deleted and having a new one set up for myself. I do not need anyone else having access to my credit reports and personal information.

Business Response: Initial Business Response /* (1000, 5, 2015/11/02) */ ***** - It looks like our support team has already responded to your request and given you further instructions as to how to deal with this information. The account has been deactivated and we require documentation to attach the account to your email address. You may also want to consider filing a police report and having the investigating officer reach out to us at *****@creditkarma.com. Thanks for your patience, ****** P. Member Support Manager

11/11/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Unable to assist me. Questioning their credibility. I have tried multiple times to sign up for this service. At first they were unable to verify me so they requested documents for me to sent over. I faxed them my drivers license and my social security card who I didn't feel comfortable doing. But many people have talked about how good this service was. Now I am receiving an email stating that my documents were not easy to see and if I can send them again. I can clearly see on my fax receipt that it is readable. I am not upset that they cannot verify me for no reason (I answered all the questions correctly) and now I am worried that this is a fraudulent company.

Desired Settlement: If this company is in fact legit, I want them to allow me to register since now they have my personal information.

Business Response: Initial Business Response /* (1000, 5, 2015/10/26) */ ***** - I'm very sorry for the frustration. We viewed your documents and determined that we could not gather the information that was necessary in order to verify your identity. This could be something like your date of birth is illegible. I understand that your receipt may be legible, but the information may have become illegible during transmission. Please feel free to resend your documents and we will process them as soon as possible. Thank you for your patience. ****** P. Member Support Manager

11/10/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I received an email from Credit Karma with a subject line - Welcome to Credit Karma! I never applied for their services. Credit Karma has sent me two emails. The first email has the subject line Welcome to Credit Karma! It states that (my email address) signed up for membership and adds to contact them at *******@creditkarma.com if I didn't create the account. I believed this to be a fishing email and ignored it. Two days later I received another email with subject line - Registration Successful! It addresses "*******". There was a note saying that if I didn't want to recieve any email from them to click on a link they had at the botom portion of the email. I didn't want to click on a link as I feared it may be a scam.I don't know anyone by that name and there is no one with that name associated with my email account. I emailed their support email and let them know my email is not associated with that name and to please remove my email address from their system. They replied asking me to go to the help request form,another link, and tell them my name, email address and birth date. This is too much information to ask for. I still think it is a scam.

Desired Settlement: Remove my emal address from their database and do not contact me again after removing my information. I am not sure how to get proof that this has been accomplished.

Business Response: Initial Business Response /* (1000, 5, 2015/11/06) */ ******* - I hope to put your concerns to rest. We are a legitimate and honest website whose mission is simply to provide financial information and tools to everyone free of charge. Credit Karma has been featured on The Wall Street Journal, USA Today, CNN, and a multitude of other sites. I am unable to remove your email address from our database as I do not have your email address. It sounds like someone mistakenly used your email address to register for Credit Karma. I cannot find an account matching your personal information, but would be happy to remove your email address from our database if you would please send that along. You may respond here, or email me at **************@creditkarma.com Thanks for your patience. ****** P. Initial Consumer Rebuttal /* (2000, 7, 2015/11/10) */ (The consumer indicated he/she ACCEPTED the response from the business.) I will try one more time to have them remove my email address from their data base. I feel more confident knowing that this has been resolved through BBB and that I now have an email for the legitimate business. I didn't want to become a victim to a scam.

11/9/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Logged into my CK account, TransUnion and Experien scores showed its score. Had Tri-merge score pulled from Mortgage Broker, scores 50 points lower. Logged into my CreditKarma account that showed TransUnion and Experian scores. Notified my Mortage Broke that scores had improved. Had Tri-merge score pulled from Mortgage Broker, scores 50 points lower for all Bureaus. Attempted to contact CreditKarma on their website: "No phone numbers on their site and search engines do not produce any phone support or person to contact number or information. Only submit a request on their blog.

Desired Settlement: Attempted to contact CreditKarma on their website: "No phone numbers on their site and search engines do not produce any phone support or person to contact number or information. Only submit a request on their blog. CreditKarma should provide the accuracy of there reporting information from all major Credit Bureaus, and provide phone contact information on their website and person to call when there is a discrepency in reporting credit report scores information,.

Business Response: Initial Business Response /* (1000, 5, 2015/10/16) */ ******* - Credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. Each credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. In addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. Hope this helps! If you have more questions, please feel free to let me know. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2015/10/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) I reported that I had checked my credit scores on Credit Karman and relayed this information to my Mortgage Broker, who stated let's verify with him running my credit through the system he uses for merged credit scores. This was done within several minutes of each other, so stating that I should be sure that I am "comparing credit scores from the same day" is irrelevant. They did not read my initial complaint. Final Business Response /* (4000, 9, 2015/10/26) */ ******* - My response also included the information that there are many different scoring models, even within the same credit bureau. Each bureau can use many different scoring models based on the requirements of the lender. A mortgage lender, for example, may put a heavier weight on specific items in your report than a lender that is offering you a credit card or auto loan. No credit score model is exactly the same. The purpose of tracking your score on Credit Karma is to know and understand the factors that impact your score over time. If you intend to apply for credit, it is always important to ensure that the data on your report is up-to-date and accurate so the score that is pulled when you formally apply is based on the most accurate information possible. Thanks for your patience, ****** P.

11/4/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Fraudulent account was set up with mine and my husbands information. I received an email from this company saying an account has been set up with access to watching my credit activity. I have never visited this website or contacted this company prior to finding this email.

Desired Settlement: I would like Credit Karma to close the fraudulent account and deny any access to unauthorized people my private credit information. This is unacceptable that they allow just anyone to access private credit information.

Business Response: Initial Business Response /* (1000, 5, 2015/10/16) */ ***** - Thanks for contacting us. Unfortunately, I am unable to locate an account that matches your personal information as it has been provided to the BBB. If you would like me to further research, please email us at *****@creditkarma.com providing your full name and date of birth and I would be happy to investigate. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2015/10/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) Hi ******, Per your request for additional information to close the fraudulent account started. The email address we received the notification at: **********@gmail.com is actually a joint email for both ***** ********* and **** ********* . Somehow our email and I'm guessing some our personal information was used to set up this account. Please make sure to close this account. ***** ********* Final Business Response /* (4000, 9, 2015/10/30) */ ***** - It looks like our support specialists have followed up with your request. The personal information does not match that of the account in question and the email address was removed from our database. Thanks for your patience. ****** P. Final Consumer Response /* (2000, 11, 2015/11/03) */ (The consumer indicated he/she ACCEPTED the response from the business.)

11/4/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Credit karma's system has made it impossible for me to log in to check my credit score and their customer service is inadequate and incompetent. In attempting to register on credit karma, the system notifies me that I have an account with my primary email. When I attempt to access my account with any of my emails, I am notified that I have no account. When I went through credit karma's tedious and inadequate web-based customer service system, I was told my problem was solved. This was false as I am still having the issues. Now when I try to use the same customer service system, the site does not allow me to submit my complaint after I fill out all of the needed boxes. I think it is ridiculous that credit karma has no contact phone number in which a representative can talk to a customer in need directly, especially since the web-based system is obviously faulty.

Desired Settlement: I want to be able to access my account so I can view my credit score. If this isn't possible then I would like for my information and my account to be erased from credit karma's system so that I can attempt to register from scratch once again. I am willing to give credit karma one more chance.

Business Response: Initial Business Response /* (1000, 5, 2015/10/16) */ ***** - It looks like you have an active account. You may feel free to email us at *******@creditkarma.com and provide your full name and date of birth, and we can tell you which email address is listed on your active account. Thanks for your patience. Regards, ****** P. Member Support Manager

10/21/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Credit Karma is false advertising your eligibility for credit cards. I believe they are being paid for our applications. This dropped my score 60 pt My credit score after years finally bumped up after some drop offs and I was now eligible for a few credit cards according to Credit Karma's recommendations. I researched both credit cards they recommended for me, chose and applied for one. I was denied and and my credit score immediately dropped 60 points. The reasons for this decision as shown in my denial letter proves i was not eligible as Credit Karma had recommended and the amount of points my credit dropped also show I was not eligible as Credit Karma had advertised. Credit Karma is a free site and i believe they are being paid by these credit card companies for the applications of credit. This has destroyed my new score and will take years to recouperate. Please stop this prey on consumers who are trying to better their lives for the greed of money.

Desired Settlement: I would like this credit inquiry to only affect my score by a few points and not the destructive 60 points its at now, due to the false advertising by Credit Karma.

Business Response: Initial Business Response /* (1000, 5, 2015/10/02) */ ****** - Unfortunately, we can't know for sure if lenders will approve or decline applications, as it's totally up to the lender. However, we do the best we can by basing our approval odds on historical data. We'll be the first to admit that we don't always get it right, but please know that we're always working to build better models and give people the best information that we can. Our goal is to always do what's best for our members. Credit scores are based on many different factors and can change for unanticipated reasons. The information shown in the Credit Factors (https://www.creditkarma.com/myfinances/scores/) were developed by Credit Karma as a way to present the key components impacting your credit score in an easily understood format. Here you'll also see the different level of impact that the various factors have on your credit score. Credit inquiries are low impact and generally only affect your score for a short period of time, and then are removed after two years. Please keep in mind that the factors as they are presented here ("Excellent" to " Very Poor") do not directly affect the credit score calculation you see on this page (https://www.creditkarma.com/myfinances/scores/), as those scores are created using the VantageScore 3.0 model, and are provided by TransUnion and by Equifax. The Credit Factors are only meant to help members see how they compare on average. The "Excellent" to "Very Poor" are determined by averaging the scores of Credit Karma members within each range. This doesn't mean that all members with a "Poor" or "Very Poor" in one particular category will have a low credit score, but that *on average* members within that range have a lower credit score. Please let me know if I can provide you with any further assistance. Regards, ****** P. Member Support Manager

10/20/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: Website said my chances were "very good" on applying for a credit card they recommend. I was denied. They mislead/lie My chances were not "very good" Twice I have applied for a credit card that their website recommended and both times it said my chances were "very good" at being approved. Both times I was denied. The last time was yesterday. I applied for the Discover IT card because they were offering a 0% intro offer for balance transfers for 18 months. I wanted to transfer my high rate credit card to save interest. I would not have applied if they had not said my chances were "very good" I even took a screen shot of where it said my chances were very good. I find this practice is deceptive and misleading. What made my chances "very good" if I was denied. They cannot give me an answer. As a result, inquiries were pulled which will even lower my credit score. I have demanded Credit Karma gets Discover to remove the last inquiry. Why would a company say someone's chances were very good if in fact my chances were not at all very good since I was denied.

Desired Settlement: I want the inquiry from Discover Card that took place yesterday to be removed from my credit report.

Business Response: Initial Business Response /* (1000, 5, 2015/09/29) */ **** - Unfortunately, we can't know for sure if lenders will approve or decline applications, as it's totally up to the lender. However, we do the best we can by basing our approval odds on historical data. We'll be the first to admit that we don't always get it right, but please know that we're always working to build better models and give people the best information that we can. Our goal is to always do what's best for our members. If you did not authorize the hard inquiry, it can be removed. If you have a hard inquiry that you did not authorize, you may need to file a dispute with the credit bureaus to have it removed. Please feel free to let me know if you have any more questions. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2015/10/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) my response to them I want to know what criteria deemed me "very good" at obtaining the Discover It credit card. I would also like to know if Discover Card pays Credit Karma a fee for you to advertise their credit cards on your website. I understand that what has happened to me has happened to many other of your Members. Why would you even suggest to anyone that they have very good chances at obtaining a credit card when you obviously are not even close to being accurate. Your recommendations cause your Members credit scores to suffer because off your false/lying/misleading information. I find this to be completely unethical. Again, I am requesting you to get in touch with Discover Card and have the inquiry removed from my credit report immediately. Below is a screen shot showing you that Credit Karma listed Discover It as my "Top Recommendation" and in green my approval odds are "very good". A lie. I want to be put in touch directly with the CEO of Credit Karma. Credit Karma's response to my above reply ******, Sep 25, 3:48 PM: We strive for accuracy in our recommendations; however, we are limited by the data available to us. In order to display recommendations that include information on your potential savings, we make certain assumptions based on your credit report and the offer data that is available to us. In some circumstances, these assumptions may not accurately reflect your outstanding loans or the particular terms or conditions of the lender's offer in your specific case. To provide an offer to extend financing, lenders generally require additional information from our members. Once they have gathered that information, the lender will be able to better provide you more detailed information about the loan terms and fees. We're always improving recommendations for our members, but it's always important to review the loan terms from the lenders themselves to ensure that the offer extended to you by the lender is in line with the goals you are trying to achieve. ****** Member Support Specialist ________________________________________ my reply to Credit Karma If you have "limited data" than how can you possible say my chances (or anyone's chances) are very good at obtaining a credit card (especially with limited data). It seems that your incorrect on many of your "assumptions" and as a result you are hurting (if not destroying) people's credit scores with your false/misleading advertising. If your "assumptions may not accurately reflect my outstanding loans or the particular terms or conditions of the lenders offer" than again I ask, how can you possible say my odds are very good of obtaining the offer? If lenders generally require additional information to extend financing than again, how can you possibly say my chances (or anyone's) chances are very good at obtaining credit? Based on what you just told me, I don't believe Credit Karma has any right whatsoever to tell anyone their odds of getting a particular credit card are "very good". How can they possibly be very good when you just told me your using limited data! I look forward to your response. I have also previously asked for the name and email address of Credit Karma's CEO/Vice President. Credit Karma's response ******, Sep 29, 4:51 PM: I understand that it can be frustrating to be declined, but keep in mind that this decision is ultimately with the lender. The approval odds can help narrow down what kinds of cards you may be approved for but it is not a guarantee. The historical odds can let us know that often people with similar credit profiles will get approved for a card like this, but lenders may look at information that is not available on the credit report information we receive. You can read more about approval odds on our website here: https://blog.creditkarma.com/credit-karma/the-ultimate-guide-to-credit-karma-part-4-approval-odds/ ****** Member Support Specialist ________________________________________ My response to Credit Karma It's not frustrating to be declined as much as it is to be lied to by a company. Saying someone has very good chances based on "limited data" is inappropriate and misleading. You still have not answered my questions. I have been in touch with Discover Cards Corporate Office. They were equally surprised that you were telling customers their chances were "very good" based on limited data. I was told Discover Card is reviewing their relationship with Credit Karma along with their marketing department. I told them Credit Karma is very deceptive and uses "trickery" with false hopes and attempts at "luring" people to apply for credit cards that they don't have a chance at obtaining. Regardless, You still have not answered my questions, so here they are again: If you have "limited data" than how can you possible say my chances (or anyone's chances) are very good at obtaining a credit card (especially with limited data). It seems that your incorrect on many of your "assumptions" and as a result you are hurting (if not destroying) people's credit scores with your false/misleading advertising. If your "assumptions may not accurately reflect my outstanding loans or the particular terms or conditions of the lenders offer" than again I ask, how can you possible say my odds are very good of obtaining the offer? If lenders generally require additional information to extend financing than again, how can you possibly say my chances (or anyone's) chances are very good at obtaining credit? Based on what you just told me, I don't believe Credit Karma has any right whatsoever to tell anyone their odds of getting a particular credit card are "very good". How can they possibly be very good when you just told me your using limited data! I look forward to your response. I have also previously asked for the name and email address of Credit Karma's CEO/Vice President. My above response was the last comment sent to Credit Karma and they have not responded as of this writing. If you carefully review my questions to them they constantly evade giving a answer. I also have Discover Card looking into this issue as Discover Card told me they were surprised Credit Karma is telling people they have VERY GOOD chances at obtaining credit cards (especially based on limited data). Thank you, **** ******* Final Business Response /* (4000, 9, 2015/10/16) */ **** - Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you. Please let me know if you have further questions. Regards, ****** P. Final Consumer Response /* (4200, 11, 2015/10/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) Credit Karma has told me they have "limited data". Credit Karma should not be making any recommendations to anyone with "limited data". Credit Karma lies and misleads consumers into believing they have a good chance at obtaining credit. They limited data and false hopes mislead consumers into applying for credit and then being denied and having their credit scores get lowered. Credit Karma falsely advertises by lying to consumers that they have "very good" odds at obtaining credit. The reality is Credit Karma has no clue if a consumer has "very good" odds and should not be suggesting this to consumers. Credit Karma receives funding from Discover Card to advertise on their website and as a result Credit Karma suggests people should apply for Discover Card and the only reason Credit Karma is doing that is for their own financial gain. Credit Karma has no basis for suggesting people have "very good" odds on obtaining credit. Credit Karma lies and misleads and the only help they offer is by helping LOWER consumers credit scores.

10/20/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Your company said free credit report but y'all charged me 39.95 and I want my money back and off your E-mail list. Y'all said free credit score and charged me 39.95 and I want my money back and off your email list.

Desired Settlement: I want my money back and off your E-mail list.

Business Response: Initial Business Response /* (1000, 5, 2015/10/16) */ ****** - I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view his or her financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma because our service is completely free! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (2000, 7, 2015/10/20) */ (The consumer indicated he/she ACCEPTED the response from the business.) The business said credit Karma but I think it was another called score sense please find out..

10/16/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: Credit Karma is charging my Bank account about $45 per month since May 2015 without my permission/authorization! I demand refunding a total of $225 Credit Karma is charging my Bank account about $45 per month since May 2015 without my permission/authorization! BAckground: I was offered free access to my credit report by Credit Karma sometime in April 2015. Knowing that they will charge my card for the service, I called up within 2 weeks to cancel. I clearly remember the call rep on the other line acknowledge and indicated to cancel my account and any charge. However, we just found out that not only my credit card was charge but they are now debiting directly from my Bank Account. How did they get hold of my debit card or bank account number when I never provided this to anyone! I already alerted my bank about this fraud. I demand refunding a total of $225 ($45 X 5 months) and be returned to my bank account as soon as possible. Then please follow through in really cancelling my account which they never did when I called them.

Desired Settlement: I demand refunding a total of $225 ($45 X 5 months) and be returned to my bank account as soon as possible. Then please follow through in really cancelling my account/s which they never did when I called them.

Business Response: Initial Business Response /* (1000, 5, 2015/09/29) */ Hi ******, - I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view his or her financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma because our service is completely free! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. ****** P. Member Support Manager

10/16/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Report printed 2 out of 12 pgs. No # for Corporate HQ. Contact # went to credit repair service. 9/20/15 I signed up with Credit Karma for membership/$1+ 3 credit reports/$19.95 only 2 out of 12 printed out. Call to contact # listed answered by a credit repair who couldn't help or give # of CK cust. service. Corporate HQ listed no phone or email #s. Act #XXXXXXXXXXXXXX. $20.95 was charged to MC. Also, they don't recognize my original password * fail to reset it so I am unable to log on to see my report again.

Desired Settlement: Refund full amount spent/$20.95 to my credit card asap.

Business Response: Initial Business Response /* (1000, 5, 2015/09/29) */ ****** - I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view his or her financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma because our service is completely free! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. Regards, ****** P. Member Support Manager

10/15/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Fraudulent account was opened using my email address, and Credit Karma does not allow any way to contact a live person to solve the issue. I began receiving emails from Credit Karma to my Gmail account, addressed to a man named "*******," welcoming him to his new Credit Karma account. Now I receive emails notifying "*******" that there has been a change to his credit reporting. I am not "*******" and I did not open this account! I went to the Credit Karma website, and there is absolutely no way to contact the company to have my email removed or close the account. The site has no live chat feature, and no Customer Support phone number. I cannot submit a report to the "Support Team" because it requires me to have an account, and include my birth date. This is not my account and I am not going to give them my birth date! I tried to post a message on the "Community Members" page to see if any Credit Karma users could help me, but again, the system requires me to log in to my account in order to post to the Community page. Credit Karma has essentially blocked any communication from anyone who is not a member, so there is no way to contact them to notify them of a fraudulent account or to request that my email be removed from "*******'s" account. This is horrible policy, especially when dealing with credit reports!! Credit Karma is asking members to completely trust a closed, anonymous company with their sensitive personal data, without providing any way for members or others to contact them to report a problem. I want my email address removed immediately from Credit Karma's database.

Desired Settlement: I want my email address removed immediately from Credit Karma's database, as I did not sign up for their service, and a stranger named "*******" used my email to open his account.

Business Response: Initial Business Response /* (1000, 5, 2015/10/07) */ Hi ******** - It sounds like your email address was mistakenly used to open a Credit Karma account. If you wouldn't mind emailing us at *****@creditkarma.com and letting us know what email address you are receiving emails at, we can remove your email address from our database. Thanks for your patience, ****** P. Member Support Manager Initial Consumer Rebuttal /* (2000, 7, 2015/10/14) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you. I will email *****@creditkarma.com with my email address that I wish to have removed from your database. Please note that I have already emailed CreditKarma twice, notifying your company that I did not sign up and my email was being used by another person, but I received no response. I hope this time you will take action to remove my email from your database. Thank you.

10/7/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: This company showed me having a 611 TransUnion and 612 Equifax credit scores.Not true.Actual scores were run and all three credit agencies showed 0 . Same as above

Desired Settlement: Stop giving false information.False advertising.

Business Response: Initial Business Response /* (1000, 5, 2015/09/18) */ ****** - The credit scores you receive on Credit Karma come straight from TransUnion and Equifax, two of the three major national credit bureaus. It's not uncommon for scores to vary. Each consumer has dozens of different credit scores, though most people believe that each person just has one. Credit scores can vary for lots of reasons. First, each of the three credit bureaus can have slightly different credit report information for you. Secondly, the credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. Third, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. Comparing several credit scores will always be different, since all the models are inherently different. Tracking one credit score over time, shows you the ups and downs in your score that could signal a significant change in your credit health. Each scoring model has a slightly different formula for analyzing the many different factors of your credit report and each person has many different credit scores. On your Credit Karma account, you will see the VantageScore 3.0 scoring model, provided individually by TransUnion and Equifax. VantageScore 3.0 incorporates a broader set of credit-related data and can score up to 30 million more people than other models. With so many different scoring models out there, you never know which score a bank will use, but VantageScore 3.0 is a strong predictor for what the banks may see. Please let me know if you have any further questions. ****** P. Member Support Manager

10/7/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Fraud Unable to use service from day one attempted to enroll for there service to view my credit report . Provided this company my personal information still was not able to view stated I didn't correctly answer some security questions that were never asked now asking for me to send copies of my personal information like my social security card and birth certificate believe that this website is fraud

Desired Settlement: Correction

Business Response: Initial Business Response /* (1000, 5, 2015/09/21) */ ******* - It looks like the information you provided does not meet the input requirements provided by the credit bureau Equifax. I suggest that you download your credit report from www.annualcreditreport.com to view and verify the exact format of your personal information. You will need to enter this in exactly as it is shown on your existing credit report in order to bypass *** registration failure. Alternatively, you can send the documents requested in our prior correspondence. Thanks for your patience. Regards, ****** P. Member Support Manager

10/5/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Credit Karma says i have an hard inquiry on Aug. 29, 2015. Reporting ageny TransUnion . I called bank that supposedly did inquiry and they say no Sync bank never did hard inquiry on me or my SS # and there isnt an acct in my name since 1993 when i paid off my credit card. Sync bank cant give letter saying they dont have acct because they dont have any information. Transunion cant take it off without ketter from bank. Sync Bank doesnt even orovide credit card that shows up on ny report. But I was told Credit Karma has a system glitch on their systems rhat has been showing up as inquiries on peoples credit that hasnt been done. Info on oerson isnt me showin up ** address i live in ********. I need this off my report. A.s.A.p

Desired Settlement: I need hard Inquiry off my credit report dated on Aug. 29,2015 by Sync Bank

Business Response: Initial Business Response /* (1000, 5, 2015/09/09) */ ******** - All of the credit report information on Credit Karma comes straight from TransUnion and Equifax, two of the three major credit bureaus. We're not a credit bureau, so we don't have the ability to make changes to your credit report. To correct errors you see on Credit Karma, you must file a dispute directly with the credit bureau that shows the error. To file a dispute with TransUnion, please head over to the TransUnion site here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page To file a dispute with Equifax, please head over to the Equifax site here: https://www.ai.equifax.com/CreditInvestigation/home.action The 10-digit confirmation number is *not required* to fill out this form. If you need to access your Experian credit report, you can visit https://www.AnnualCreditReport.com to access this credit report for free once each year. Let me know if you have any more questions. ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2015/09/14) */ 9-10-15 Sent via email: Ms.***** Like I told you and Credit Karma I did contact Trans Union on Sept 3, 2015 i called at XXX-XXX-XXXX I spoke to 2 different people first ***, **** file # XXXXXXXX they all say the same thing. That I needed to contact Sync Bank and have them write a letter saying its not me. I contacted Sync Bank XXX-XXX-XXXX I sooke to ******* she gave me this 2nd number is for investigation Credit Services when there is an issue like I am having thats the number I was given XXX-XXX-XXXX and I spoke to a few people there *****************************, they took my name SS#and all my information and they say there was never an inquiry fone on my name or SS # on Aug. 29,2015. I am told they can not send a letter on my behave because according to there records there was NO Credit check done one me and there is No corresponding reference number that has to go along with any Credit check to inform the Credit Bureau's to take this off my Credit Report. Sync Bank says that the Credit Card to which is showing up as a Hard inquiry doesn't even relate to there bank they do not offer National Credit Cards/Airlines. Everyone I spoke to at Sync Bank says they are 100% certain they did not do any inquiry on me or my SS # . So they can not write a letter or contact the Credit bureau to get this inquiry off my credit report because they have NO record of this anywhere in there systems and without anything to back up this being done their hands are tied they can't take it off without any reference number to the inquiry being done and no record in there ststems. Thats when I was asked if I received the notice that the hard inquiry was done by Credit Karma because I am told by Sync Bank that they have had compkaints like mine and it turns out that it is a glitch from Credit Karma computer Systems. Now Credit Karma is saying they cant do anything and TransUnion and the bank all say the same thing that they can't do anything. Well the bank knows its not me and TransUnion knows its not me because on the Information TransUnion provided by the person who had the credit check done for the card has a different contact information than me. This is the information that appears on my Credit Report through TransUnion that shows up being the ******** ****** that had credit check done. ******** ****** ************************************* Ph: XXX-XXX-XXXX None of that information is correct for me. I do not live in ** nor have I ever lived there and thats not my phone number and I have a middle name I use all the time . I never inquired about a Credit card with this bank or any other establishment. I have had my identity stolen in past a few years back and I am very cautious with my personal information and i haven't signed up for any new credit for anything. I did have an acct with Sync Bank way back in 1992 I paid it off in 1993. With Service Merchandise that store has since closed for business. But considering I have done everything I have been told to get this taken off my Credit report but it seems no one can do anything is crazy. If the supposed institute that is showing up on my credit report as doing a credit inquiry on me is saying they have NO record of this inquiry in any of there systems and Sync Bank doesnt even offer National Credit Cards/ Airlines then how did it get reported to Trans Union? And if the Bank Sync Bank cant find it and there us NO reference # that shows the inquiry ever being done then bank cant contact TransUnion without reference number to have it deleted. Sync Bank said Credit Karma has a glitch in their computer system that they have been called about this happening to others and Sync Bank said to contact Credit Karma that it is a Glitch in their system then how can I get my Credit Report fixed? I do not know what to do anymore I had a watch put on my Credit so if anyone tries to get credit in my name not to have it go through because ny identity was stolen before how did anyone get my credit check through anyway. It was supposed to be flagged. Yes I was notified that there was an inquiry a hard inquiry done on me and its not me how did this happen and how does it get fixed. I contacted everyone I was asked to contact and no one can help. What does the innocent person do to fix a mistake or error in the system? Can you please help me ******** M. ****** Final Business Response /* (4000, 9, 2015/09/21) */ Hi ******** - I'm very sorry that this situation is so frustration for you. Credit Karma simply translates the data we receive from TransUnion and Equifax into a simplified, readable format and provide educational resources. We're not a credit bureau, so we are unable to make changes to your credit report. Only TransUnion will be able to remove this item from your credit report. Sychrony Bank is the only company that can report a hard inquiry to the bureaus. We are not a lender so we have no ability to send lender's information, such as a hard inquiry, to a bureau. You must dispute this information through TransUnion directly: https://dispute.transunion.com/dp/dispute/landingPage.jsp I'm sorry we are unable to help you in any other way. Thank you for your patience. ****** P. Member Support Manager

9/30/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: they advertise FREE credit reports. I have been trying to register with them for weeks and the site keeps telling me I am registered with e-mail they advertise FREE credit reports. I have been trying to register with them for weeks and the site keeps telling me I am registered with my e-mail. Every time I request for a new pass ***** it tells me I need to update my fire fox. I have the lastest fire fox yet Credit Karma will will not give me a new passwork. They hide their contact information very good and I can not contact them directly. they state they will reply to my email yet they never do. Please reach out to them so I may contact them and get registered, unless the site is fake and just want peoples personal information.

Desired Settlement: need Credit Karma...who may be fake to contact me...XXX-XXX-XXXX or give me a contact number so I can talk to someone in customer service.

Business Response: Initial Business Response /* (1000, 5, 2015/08/27) */ Hi ****** - We're working on making it easier to contact us. We will require a little more information in order to identify the account that belongs to you. Please fill out this form, and our team will get back to you directly: https://help.creditkarma.com/hc/en-us/requests/new?ticket_form_id=XXXXX I'll keep an eye out for your ticket and someone will respond promptly. Thanks for your patience. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2015/09/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) The above link that they provided for me to reply to my complaint DOES NOT WORK. I fill out the form and the SUBMIT button does't work. That figures...becasue they are running me in circles and DO NOT WANT TO HELP ME, BECASUE WHAT THEY ADVERTISE IS FAKE AND NOT REAL. This is what I tried to write to them in response to the above link they provided you:I need a temporary password ** get into my account using the e-mail address: ***********@aol.com. every time I reset password, you guys tell me to clink on the link you provide, then it tells me, my FireFox is not the latest version. I have the latest version of Firefox; however, you are making me click on a reply link, FROM MY AOL BROWSER. Apparently my AOL Browser isn't using Firefox. What I need...and I've asked dozens of times, is for you to send me a temporary password, so that I can copy and paste and put it into my Firefox Browser, do I can get into my FREE CREDIT KARMA ACCOUNT. Which apparently doesn't exist? You guys said my "stuff" is linked to another email account: **********@aol.com...which I DO NOT USE FOR PERSONAL BUSINESS AND OR INFORMATION. SO SEND ME A TEMPORAY PASSWORD *** NOT A LINK TO GET INTO MY ACCOUNT WITH PASSWORD ******* IT DOESN'T WORK. Final Business Response /* (4000, 13, 2015/09/09) */ We have reached out to ****** directly to verify some personal information prior to helping him with his request. Further communication will be via email only. Regards, ****** P. Final Consumer Response /* (4200, 15, 2015/09/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THIS ISSUE: SEE BELOW is the only response I have recevied from Credit Karma . Its the same response they have been sending me..asking how do I like there service. See belowCredit Karma Help Desk Thank you for contacting Credit Karma's Member Support team. We'd love to hear how your support experience went. Please take a moment to rate the service you received by clicking one of the links below: How would you rate the support you received? Good, I'm satisfied Bad, I'm unsatisfied Here's a reminder of what your ticket was about: THATS IT. No resetting of password ************* have answered their security questions several times...then I get the above reply...and around and around in circles. asking how do I like their service.

9/17/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: False Advertising for Commercial Profit I recently obtained a copy of credit report and I noticed my rating for the number of recent inquiries was very poor. This was caused by car financing companies requesting my credit report. When I called these companies to see why they requested my report I was told a 3rd party OpenRoad Lending had farmed out my name to them. This company is one that is promoted on the Credit Karma website. Credit Karma prompts you to find out how you can improve your credit score and lower your payments. In my case they said they to enter my info to see how much they could lower my car payments each mo. Turns out they wanted to extend my payments from 30 mo's to 72 mo's. When they used the 30 mo's they actually increased. I told them no thanks I was not interested in pursuing it. I then got letters in the mail from companies saying they were sorry but they couldn't process my request for a car loan. I never applied to them. My current car loan is with Toyota, why would I want to go with one of these questionable companies. I called the companies and they all said they got the request from a 3rd party, OpenRoad Lending. The same company Credit Karma promotes on their website to help consumers.

Desired Settlement: I want the inquiry from OpenRoad Lending removed from all my credit reports, and for Credit Karma to cease promoting companies that hurt your credit, while claiming they help.

Business Response: Initial Business Response /* (1000, 5, 2015/08/31) */ ****** - We strive for accuracy in our recommendations; however, we are limited by the data available to us. In order to display recommendations that include information on your potential savings, we make certain assumptions based on your credit report and the offer data that is available to us. In some circumstances, these assumptions may not accurately reflect your outstanding loans or the particular terms or conditions of the lender's offer in your specific case. To provide an offer to extend financing, lenders generally require additional information from our members. Once they have gathered that information, the lender will be able to better provide you more detailed information about the loan terms and fees. We're always improving recommendations for our members, but it's always important to review the loan terms from the lenders themselves to ensure that the offer extended to you by the lender is in line with the goals you are trying to achieve. Hard inquiries remain on your credit report for two years. They occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a lending decision. To correct errors you see on Credit Karma, you must file a dispute directly with the credit bureau that shows the error. To file a dispute with TransUnion, please head over to the TransUnion site here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page To file a dispute with Equifax, please head over to the Equifax site here: https://www.ai.equifax.com/CreditInvestigation/home.action The 10-digit confirmation number is *not required* to fill out this form. Please let me know if you have additional questions. Regards, ****** P. Member Support Manager

9/17/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Credit Karma allowed a fraudulent account to be created in my name and stated they could not verify it was me when I reregistered My soon to be ex wife (we are in middle of divorce) created a fraudulent account w/ Credit Karma using her email to monitor my credit information. I mailed the company my ID and the correct email and emailed customer service and they deleted the account after several requests. I tried to reregister and had to fax and email and mail all kinds of documents from utility bills, tax returns and my ID again and was told they still couldn't verify and to contact the credit bureau. I did, all the information I provided credit karma was correct and I do not know what they can not verify. Not only did this company allow a fraudulent account to be created in my name but there is no contact phone to call and I had trouble shutting that account down if it was even done. I am assuming because I do not get the "you have an account" message when I tried to reregister however now, they are telling me to verify my identity over and over and I keep sending the documents. There is no physical person to talk to and you get generic emails from customer service and its become a joke. I don't know what they cant verify or why im getting that message but I can only assume its due to the fraudulent account they allowed my ex wife to open and because of what she has done or inputted pretending to be me.

Desired Settlement: I want to be able to get into my credit karma account ********@gmail.com and have them mark my account as verified identity. I have sent bills, my ID and tax return to them for verification and I need to get into this account.

Business Response: Initial Business Response /* (1000, 5, 2015/08/31) */ ******, The account in question never passed *** verification steps, therefore the account with your ex-wife's email address was never fully activated and your credit information was not accessed on Credit Karma. As stated in our previous correspondence, on August 19th - the information that is listed on your credit report does not match the information listed on the documentation that you sent. For security reasons, we cannot activate your account until these items are matching. The only way to resolve this issue is to contact and update the information with each credit bureau individually. We have provided you with that contact information previously. Please let me know if you have additional questions and I would be happy to answer them. Regards, ****** P. Member Support Manager

9/17/2015 Delivery Issues | Read Complaint Details
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Complaint: I just want to cancel my contract..nothing postive has been done on my credit in six months and $1,000 dollars in payment to this company. no one wil nothing has changed on my credit in six moths.

Desired Settlement: just cancel my account and refund my proceeds as promised.

Business Response: Initial Business Response /* (1000, 15, 2015/09/01) */ I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view his or her financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma because our service is completely free! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. Regards, ****** P. Member Support Manager

9/8/2015 Problems with Product/Service | Read Complaint Details
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Complaint: karma credit took my personally identifiable information and block me out so i don't have any information to get back in and no credit report karma credit says that you can get a free credit report but i did not get mine because when you put all your inf in its block you out and no phone number so you cant call its a rep off and from what i read its happening to lots of people, all i wanted was my credit report free like they advertises

Desired Settlement: my credit report in 5 mins like they advertiser

Business Response: Initial Business Response /* (1000, 5, 2015/08/21) */ Hi ******** - One or more of your answers to the personal credit information questions was incorrect, so this account is temporarily inaccessible. We understand the importance of keeping an eye on your credit health, so we have granted you a second attempt at answering the verification questions here: https://creditkarma.com/auth/logon Please keep in mind while answering the verification questions that many banks and lenders will use abbreviations instead of the full bank name. Our system only allows this retry once. The security questions are based on information from one or more of your credit reports from the three national credit bureaus. I'd recommend having your most recent credit reports available while answering these questions. You can access a free copy of your credit report annually from each of the three national credit bureaus here: https://www.annualcreditreport.com Let me know if you have additional questions, ****** P. Member Support Manager

9/8/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: Ever since I applied to refinance my *** as suggested on KK site I have been relentlessly hounded by payday loan offers by telephone Kredit Karma obviously sells our information to the lowest of the low: payday loan companies. I followed advice on site applied for Cap One Credit card, which I received, and also to refinance my *** - and ever since my visit to KK site I have been deluged by scumbag payday loan offers (robo-calls) at all hours. I am ill and need to have phone turned on; these calls are not only irritating (I'm on do not call registry) but interrupt much needed sleep. I am furious that Kredit Karma released my information to payday loan companies, which operate on the very margins of the law. They are the lowest of the low, and now I believe Kredit Karma is too.

Desired Settlement: Credit Karma must contact evey payday loan company to whom they gave my information and demand that these people stop calling me.

Business Response: Initial Business Response /* (1000, 5, 2015/08/21) */ Hi ********* - As our Privacy Policy and Terms of Use make clear, we do not sell or rent any member's personal information to third parties. As we explain in our Privacy Policy, we may present you with opportunities for additional products or services that may require submitting information to unaffiliated third parties. In connection with these opportunities, we identify the relevant third party and in general, you will be taken to a third-party site to complete the transaction or asked to submit information to the third party through a form on our site. When you choose to provide information to an unaffiliated third party, we are not responsible for the privacy practices of such third parties. If at any time you no longer wish to receive e-mails from Credit Karma, you may use the "Unsubscribe" button at the bottom of any of our e-mails or adjust your communication preferences by logging into our site and visiting the "Communications and Monitoring" page. Please let me know if you have additional questions. ****** P. Member Support Manager

9/8/2015 Problems with Product/Service | Read Complaint Details
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Complaint: My dad, 84, began the CK reg process, submitting pg 1. I checked BBB and stopped process. Did that cancel all info given already? What can be done? Is his identity/credit now in danger? What can or should we do?

Desired Settlement: I would just like an answer the questions. I felt that CK would not be the people to ask.

Business Response: Initial Business Response /* (1000, 5, 2015/08/21) */ Hi ******** - I would be happy to answer any questions you have about Credit Karma and our processes. Credit Karma is a completely free service that allows our members access to their TransUnion and Equifax credit reports and scores. We will never ask for your credit card information on our site because we simply don't need it. Our site is made free by partnering with other lenders that share the same beliefs - you will see recommendations for loans and credit cards on our site, but are in no way required to apply for any additional credit. I'm happy to answer other questions you have to alleviate your concerns. Thanks for your patience. ****** P. Member Support Manager

9/1/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: I am getting an enormous number of credit checks with no identification and affects obviously my rating. It appears someone else may have access. I am getting an enormous number of credit checks with no identification and affects obviously my rating. It appears someone else may have access. Please deny access to your system/process.

Desired Settlement: Deny access to my supposed account information. ELIMATE ANY ACCESS TO ANYONE!!!!

Business Response: Initial Business Response /* (1000, 5, 2015/08/21) */ Hi ***** - It looks like we sent you an update to notify you about new inquiries on your account. We don't generate those inquiries, rather simply notify you that one of the bureaus is reporting new information. In this case, it looks like your Equifax credit report may be the one you are indicating in your message to us. If you'd like to review the companies that have reported the inquiries, you can review your full credit report on Credit Karma (https://www.creditkarma.com/myfinances/creditreport/equifax?reportId=XXXXXXXXX#inquiries). Please let me know if you have any additional questions. ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2015/08/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) Delete ALL information you folks and affiliates have acquired. I'm not interested in this method of checking my score. Only a complete elimination of information will be acceptable. Thanks. Final Business Response /* (4000, 9, 2015/08/31) */ ***** - Credit Karma is subject to certain record keeping and information retention requirements. Therefore, when you deactivate your Credit Karma account, we cannot delete your information outright. However, your information is stored on secure servers and your account will be inactive and inaccessible to anyone other than Credit Karma authorized personnel. You can read more in the "Terminating Your Account" section of our verified TRUSTe privacy policy here: http://www.creditkarma.com/about/privacy All of the credit report information on Credit Karma comes straight from TransUnion and Equifax, two of the three major credit bureaus. We're not a credit bureau, so we don't have the ability to make changes to your credit report. To correct errors you see on Credit Karma, you must file a dispute directly with the credit bureau that shows the error. To file a dispute with TransUnion, please head over to the TransUnion site here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page To file a dispute with Equifax, please head over to the Equifax site here: https://www.ai.equifax.com/CreditInvestigation/home.action The 10-digit confirmation number is *not required* to fill out this form. Let me know if you have any more questions. Regards, ****** P. Member Support Manager Final Consumer Response /* (4200, 11, 2015/09/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) Not Convinced although I did receive a response from someone indication the information will be deleted. I don't like the idea that STAFFERS are allowed to have access. Eliminate All information as you know you have someone out there in la-la land that has presented themselves as you folks. How do I know you are legitimate?

8/27/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: Credit Karma needed my credit card info to bill 1.00 for my FREE credit report. they took 1.00 then took 21.95 out of my bank acct without my auth. Credit Karma stated that your credit report is free with no hassel or bills. I signed up for my free report then was billed 1.00 for a FREE credit report. Then a few days later took out 21.95 without my permission and authorzation. They do not give a number to call or complain. They do not let you delete your personal bank info from their website and they just have a automated email that response back to you. upon searching website for others whom been taken advantage from Credit Karma I have found people with the same complaints. Who are they to have a monthly access to my bank acct. Please put a stop to this. ****** *****

Desired Settlement: I want a FULL rapid refund and they delete all of my bank info so they never have access to my bank acct again!! I want them to stop advertising they are free and that they will not bill you because that is a LIE!

Business Response: Initial Business Response /* (1000, 5, 2015/08/10) */ Hello ******, I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view his or her financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma because our service is completely free! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. Regards, ****** P. Member Support Manager

8/27/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: TV add and on line add say " no credit card required. End of questions ASKS 4 CREDIT CARD AND WANTS 2 CHARGE MONTHLY FEE!!! I went through ALL the question's and everything, then, when I SHOYLD HAVE SEEN MT CREDIT SCORES, the **** thing wanted a credit/debit card, then I could get my info! Then, ALSO, it WANTED ME 2 PAY A MONTHLY FEE OF $39.95!!!!! I was under the assumption that this was absolutely FREE! NO CREDIT/DEBIT CARD NEEDED, EVER!!!!! THEN THIS HAPPENED!!!!! They are Falsely advertising their Services!!!!! It should B stopped!!!

Desired Settlement: All I want is 4 them 2 either advertise properly, and stop the add's that are wrong!!!!! Or B fined 4 false advertising!!!!! And correct their mistakes!!!!!

Business Response: Initial Business Response /* (1000, 5, 2015/08/10) */ Hello *******, I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view his or her financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma because our service is completely free! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. ****** P. Member Support Manager

8/24/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Identify Theft assisted by Credit Karma On 7/15 an unauthorized person used my information to get my credit history from Credit Karma. This was not done with my permission nor verified by me. Two days later unauthorized cards were attempted to be opened at Target, Best Buy, Macys and Bloomingdales.

Desired Settlement: I want to understand how they verify the user who inputs personal information and what they are doing to prevent identity theft.

Business Response: Initial Business Response /* (1000, 5, 2015/07/27) */ Hello ***** - I have followed up with you directly regarding the account in question. Please respond to the email I have sent you and if you wish to gain access to the account, you must send in the required documentation. Thanks for your patience, and know that I am happy to respond to you directly if you have further questions. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2015/07/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) Yes, ******. I have received and email from you - and the voice mail - but I have requested another call from you to speak with you vs. email. I NEVER opened an account with your service - it was identity theft - I need to understand how this happened and why wasn't my identity protected from your service. Final Business Response /* (4000, 9, 2015/08/10) */ *****, I have further followed up with your correspondence. I apologize for the frustration. Please feel free to respond to my message and I would be happy to answer any further questions you have. ****** P.

8/24/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: I have sent emails to Credit Karma to repair my credit and they either ignore my emails or refuse to correct this problem! Problem was fixed January 5th, 2015

Desired Settlement: I wish to have the negative removed from my credit! Also have a letter from CSI saying its been paid !

Business Response: Initial Business Response /* (1000, 5, 2015/08/06) */ Hi ***** - All of the credit report information on Credit Karma comes straight from TransUnion and Equifax, two of the three major credit bureaus. We're not a credit bureau, so we don't have the ability to make changes to your credit report. At Credit Karma, we focus on providing credit score and credit health resources. If you would like to review your full credit reports, please click on the following links to view your report: TransUnion credit report: https://www.creditkarma.com/myfinances/creditreport/transunion#overview Equifax credit report: https://www.creditkarma.com/myfinances/creditreport/equifax#overview To correct errors you see on Credit Karma, you must file a dispute directly with the credit bureau that shows the error. To file a dispute with TransUnion, please head over to the TransUnion site here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page To file a dispute with Equifax, please head over to the Equifax site here: https://www.ai.equifax.com/CreditInvestigation/home.action The 10-digit confirmation number is *not required* to fill out this form. Let me know if you have any more questions. ****** P. Member Support Manager

8/24/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: I entered all my personal information but the security questions asked of me were not relevant and despite my marking them as such I was still denied. On three separate occasions between May and June I attempted to get my credit score through credit karma and each time I was told I did not answer the security questions properly. I first filed a complaint and was allowed another opportunity and again they came up as incorrect. I recently had to answer similar security questions for all 3 credit bureaus to get my free reports, and I had no issues answering 3 separate sets of questions, yet with credit karma I am continuously having a problem. Per their website when this occurs I must send in all of my detailed personal information via mail so they can create my account, which after mailing said information in a secure manner is no longer free. They do not have a phone number to speak with someone directly and they take no responsibility for what happens on their site. Now I have some strange account and I am not even sure why it has been created when I couldn't get past the questions. How can you create an account for me when I have not finished the process?

Desired Settlement: I would like to be able to utilize their services without such issues or for them to remove my account as since I did not answer the questions I should not have one set up. This company should also have a phone number available for customers to reach out with complaints and issues as that is standard practice and such issues can be resolved or addressed more efficiently. I also want some kind of explanation why every other time I have to go through security questions I pass *** with them I am continuously denied. I want to make sure they do not have some strange alternative information on me that others may not have and cannot seem to do that via the email response team.

Business Response: Initial Business Response /* (1000, 15, 2015/08/06) */ ***Document Attached*** Hi ****** - I understand that you're having some trouble with registration. It looks like we were unable to verify your identity based on the details you provided. Until this is resolved, for security reasons, we can't give you access to Credit Karma's registered member services. In order to gain access to your free credit score on Credit Karma, please download, complete and return the attached form with the requested documentation. **For security reasons, please do not send your personal information or documentation by e-mail.** Feel free to let me know if you have any other questions. Thanks for your patience! Regards, ****** P. Member Support Manager

8/17/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Internet Exployer cannot display the webpage. For CreditKarma.com Haven't been able to log on for the last six (6) months

Desired Settlement: Wish to log on to CreditKarma.com

Business Response: Initial Business Response /* (1000, 7, 2015/07/30) */ Hi ******* This may just be a technical issue. If possible, please try the same action with a different browser, such as Google Chrome, Firefox, or Safari. For security reasons, Credit Karma is only compatible with the three most recent versions of each browser. If you are not using one of the three most recent versions of your browser, please update your browser and try completing this action again. If you continue experiencing issues please reply and let me know what browser and browser version you are using. You can find this information by visiting whatbrowser.org here(http://whatbrowser.org/). Regards, ****** P. Member Support Manager

8/12/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Made application for a secured credit card . First Progress took $300.00 from my checking account per agreement . They did not give me a credit card . I tried to get my money back . I talked to a man that would only identify himself as ***** A. and he would not give me any further information . I found this Company on Credit Karmas web site . Credit Karma is allowing Fraudulant Companies to use there site to extract funds from people without any intentions of issuing a credit card . Now they have my bank Acc. # # 1 , Credit Karma # 2 , First Progress these are the two companies that are ripping people off .

Desired Settlement: I want my money back and I dont want Credit Karma or First Progress to be able to do business in the U.S. as they are less than legitimate .

Business Response: Initial Business Response /* (1000, 5, 2015/07/27) */ Hello ***** - Unfortunately, we can't know for sure if lenders will approve or decline applications, or for what terms you will qualify, as it's totally up to the lender. However, we do the best we can by basing our approval odds on historical data. We'll be the first to admit that we don't always get it right, but please know that we're always working to build better models and give people the best information that we can. Our goal is to always do what's best for our members. Please feel free to let us know if you have further questions, ****** P. Member Support Manager

8/12/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Inaccurate and Slow update Reporting. My complaint comes with email notices that shows accounts being reported late and/or delinquent and payments improved. Not to mention these notices have time stamps of 7AM. Once logged into the Credit Karma site, I review both available reports. Accounts that have been reported late are advising to reach those companies directly to dispute. After reaching out directly to the creditor, it has been advised that Credit Karma has lagged reporting practices, and often times incorrect. I've sent a "contact us" email in question to changing the report. What I received was a general email that may fit several customer concerns, however, it was direct to my question. I attempted to resubmit the question in reply to the original email sent/reply and the answer was exactly the same advising me to reach out the major credit bureau directly for a dispute. I'm still unclear as to why there is no direct contact number to reach the company that has these direct ties to major credit reporting bureaus. I have sent another "contact us" email requesting to update my scores as needed and offer better contact methods other an robotic generalized response.

Desired Settlement: To have the late/delinquent reporting updated immediately. After several contacts with (FingerHut) the company in question, and also paying to receive my actual reports, it is not shown my accounts have been reported late. Also, with this correction, my score should increase accordingly. Also, there is a collection reporting from AFNI Collections, that has been paid off - settled in full as of 6/10/15 and it still has the original collection amount. That also need to be updated accordingly.

Business Response: Initial Business Response /* (1000, 7, 2015/07/17) */ ********* - I have reviewed your last inquiry and responded again. The frequency of the updates can vary by the credit bureau and the lender. In most cases, you can expect your creditors to report new balances, payment activity, credit limit changes, or late payment information every 30 days. Please let me know if you have more questions. ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 9, 2015/07/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) Perfect example, I received an email alert today (7/26/2015) through my registered email address at 10am stating I have a new account and new hard inquiry on my report. After logging in to review both credit profiles, nothing new reflects which leads to misinformation regarding my credit profile. I have logged on several times in hopes that the system had refreshed from the original email alert and the results were the same. I carefully compared both Equifax and Trans Union reports, and was unable to find the difference of what the new inquiry and or account was. It's just very frustrating for someone who is looking to increase their credit score for the sense of better purchasing options and purchase power. It would be very helpful if the system was up-to-date and current with any alerts an updates that would drastically affect the consumers reports without sending them on a wild goose chase to figure out what has changed when indeed nothing happened. Not to mention having no live customer service representative available for direct assistance does not make well for an agency to update an output or review for someone's credit history! Final Business Response /* (4000, 11, 2015/08/10) */ Hi *******! If you want to review the information that you're getting from these updates, all of the changes are listed out for you on the dashboard: https://www.creditkarma.com/dashboard If you scroll down on this page, you will be able to see the items that were added, updated or removed right here on the dashboard. Please let me know if you have additional questions and you can always email our support team at any time at *******@creditkarma.com if you have questions. Regards, ****** P. Member Support Manager Final Consumer Response /* (2000, 13, 2015/08/12) */ (The consumer indicated he/she ACCEPTED the response from the business.) It's just a waste of time going back and forth with a 3rd company. Just amazes me how they list their affiliation with major credit bureaus such as "TransUnion and Equifax", but when you call these companies directly they provide a different outlook on the "affiliating" services Credit Karma provides. I just know going forward that the services are general and not accurate when it comes to scoring and reporting actions..

8/12/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: they have wrong information on my credit reports. they have wrong information on my credit reports.

Desired Settlement: i want this update asap.

Business Response: Initial Business Response /* (1000, 7, 2015/07/27) */ ******, All of the credit report information on Credit Karma comes straight from TransUnion and Equifax, two of the three major credit bureaus. We're not a credit bureau, so we don't have the ability to make changes to your credit report. At Credit Karma, we focus on providing credit score and credit health resources. If you would like to review your full credit reports, please click on the following links to view your report: TransUnion credit report: https://www.creditkarma.com/myfinances/creditreport/transunion#overview Equifax credit report: https://www.creditkarma.com/myfinances/creditreport/equifax#overview To correct errors you see on Credit Karma, you must file a dispute directly with the credit bureau that shows the error. To file a dispute with TransUnion, please head over to the TransUnion site here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page To file a dispute with Equifax, please head over to the Equifax site here: https://www.ai.equifax.com/CreditInvestigation/home.action Please note: The 10-digit confirmation number is *not required* to fill out this form. Please feel free to email us at *******@creditkarma.com if you have other questions. ****** P. Member Support Manager

8/12/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Removing funds from my checking acct w/out my consent I created an account w/ credit karma 1 week later my checking account was debited 29.99. I did not give my consent for the withdrawl. I'm gonna file w every agency I can. I feel it's very malicious of them too wait a week to withdraw money. We the tactics of the customer wouldn't noticed or mind. Well I noticed & I mind. I need my money. I'm a single parent & that 30 dollars is gas for the week for me & my child. There's no phones #'s to call to request my money. I canceled my account and I would like my 29.99 that was never authorized to debit.

Desired Settlement: 29.99 refund please & thank you

Business Response: Initial Business Response /* (1000, 5, 2015/07/27) */ Hello ***** - I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view his or her financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma because our service is completely free! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. Regards, ****** P. Member Support Manager

8/12/2015 Problems with Product/Service | Read Complaint Details
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Complaint: They gave out my financial and personal information to somebody with a bogus email account. My debit card has been compromised. I went to creditkarma.com to look at my credit report. This was the first time I have ever been there. Come to find out somebody had already created an account using my name with a disposable email account. They gave all of my information out to a disposable email account

Desired Settlement: I want my money back

Business Response: Initial Business Response /* (1000, 5, 2015/07/27) */ Hello ******** - The account in question has already been deactivated. The account will remain deactivated until we receive the appropriate documents requested in our prior communications to you. Once we receive those documents, we will be able to give you full access to the account. No form of payment is required to create a Credit Karma account. Credit Karma is entirely free and we will never charge you for our services. If you believe that your debit card has been compromised, please contact your bank about any potentially fraudulent charges. Please contact *******@creditkarma.com if you have further questions. ****** ** Member Support Manager

8/11/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: I used the service 1 time and now it won't allow me to access my account anymore. I created an account with credit karma and after a week or 2 passed ** will not allow me access. When I followed the procedure to change my password ** sent me the information on changing my password. The next option they gave was for me to sent over copies of personal documents like a birth certificate or a passport. This to me comes across as a scam when own bank does not do this to me nor does my job and I work for the federal government!!

Desired Settlement: I want access to my account without giving them personal documents!

Business Response: Initial Business Response /* (1000, 5, 2015/06/24) */ Hi *****, It looks like you were able to access your account and pass *** security questions. If you have further questions, please contact us at *******@creditkarma.com. Thanks! ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2015/06/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am not able to log in. What security questions??? Please continue to work on this for me. Final Business Response /* (4000, 12, 2015/07/29) */ We are able to resolve this issue if the member can contact us directly using the email address on file - there is simply a typo error in the email address used to register. Please have him or her contact us at *******@creditkarma.com. Thanks! ****** P. Member Support Manager

8/5/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: oreditkarma reorted oilcompanies reported hard inquireries to the credit burueros .tomy knowlege i only filled out one oil card app over a year ago 0

Desired Settlement: dear redit karma please contact me. thank you ****** ****.XXX-XXX-XXXX

Business Response: Initial Business Response /* (1000, 5, 2015/07/17) */ ****** - Hard inquiries are reported to the credit bureaus. All of the credit report information on Credit Karma comes straight from TransUnion and Equifax, two of the three major credit bureaus. We're not a credit bureau, so we don't have the ability to make changes to your credit report. To correct errors you see on Credit Karma, you must file a dispute directly with the credit bureau that shows the error. To file a dispute with TransUnion, please head over to the TransUnion site here. (http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page) To file a dispute with Equifax, please head over to the Equifax site here. (https://www.ai.equifax.com/CreditInvestigation/home.action) The 10-digit confirmation number is *not required* to fill out this form. You can also find more information on the dispute process here. (http://www.creditkarma.com/article/dispute-credit-report-errors) If you need to access your Experian credit report, you can visit www.AnnualCreditReport.com (https://www.AnnualCreditReport.com) to access this credit report for free once each year. Let me know if you have any more questions. ****** P. Member Support Manager

8/5/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: cancel credit karma within a week before monthly fee On July 7,2015 I went on creditkarma.com to get my free credit score. They advertised a 1.00 refundable fee (which was taken out of my checking account). I have a free one week period to cancel this credit account. When I tried finding where to cancel this I could not find the web site to cancel. It was suggested to file a complaint with the better business bureau to resolve this matter.

Desired Settlement: I want to cancel this account with credit karma before I get charged a monthly fee for my credit score

Business Response: Initial Business Response /* (1000, 5, 2015/07/17) */ ****** - We're proud to say that Credit Karma is an entirely free service! Our goal is to make financial information available to everyone free of charge. There are no loopholes or free trial periods. We never collect your credit card or payment information because we simply don't need it. Please let me know if you have any other questions. ****** P. Member Support Manager

8/4/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Someone has opened a credit karma account in my mothers name ****** ******** and they are viewing her credit information have stolen her identity and There is no phone number to contact she needs the account shut down immediately and we have to wait 2-3 days for and emailed customer service response.

Desired Settlement: We need a phone number now!

Business Response: Initial Business Response /* (1000, 5, 2015/07/17) */ Hello ***** - We have responded to your support requests. We are unable to provide any additional information about the account in question without communication from a government agency. In order to gain access to the account, please send in the requested documentation; otherwise the account will remain inaccessible. Thanks for your patience, ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2015/07/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) Credit karma did respond within the 2-3 days as noted however it would have been much easier to call. For example my mother doesn't have a computer and no email. This generation is only going to become victims of identity theft. The phone is the only way many still communicate. If the company is customer service oriented they will look at the age of the public that would be the 65plus age group! A 800# should be a requirement for conducting even and internet business. Final Business Response /* (4000, 9, 2015/07/27) */ Thanks for your feedback. While we understand your frustration, we do not currently offer phone support. The account remains inaccessible at this time, and will remain so until the required documentation has been sent. Thanks for your patience, ****** P.

7/29/2015 Problems with Product/Service | Read Complaint Details
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Complaint: After submitting information, I was asked security questions that were obviously not about me. After I told them, they have not tried to find out why. Email exchanges follow: ******* ******, Jul 14, 09:50: Name: ******* ****** Description: In attempting to register, none of the personal credit information questions I was asked pertained to me. I feel I may have input the wrong SS#, but can find no way to change it. Is it possible to re-input my information to try again? ******, Jul 15, 19:26: We understand the importance of keeping an eye on your credit health, so we have granted you a second attempt at answering the verification questions here. Please keep in mind while answering the verification questions that many banks and lenders will use abbreviations instead of the full bank name. Our system only allows this retry once. The security questions are based on information from one or more of your credit reports from the three national credit bureaus. I'd recommend having your most recent credit reports available while answering these questions. You can access a free copy of your credit report annually from each of the three national credit bureaus here. ****** Member Support Specialist ******* ******, Jul 16, 14:02: Hello, I tried to click through to see if the questions had changed, but was unable to find anything past a page that showed "We can't find your credit file". Please advise how to access the verification questions. Also, have they changed? The problem I had with them was not simply answering the questions. Rather, the questions themselves were obviously for the wrong person. One of them was a question about a mortgage taken out in 2011. I have never taken out a mortgage. My most recent credit reports don't show a mortgage either. Somewhere in the process of registering an account your system obviously linked to a wrong person's identity. The best I can figure is I may have input the wrong SS#, which is why I wanted to change that. I would like to confirm that the questions are pertaining to me before attempting to answer them again. Thank you,******* ****** ******, Jul 16, 15:35: The security questions that are asked are based on the personal information you entered during registration. Please be sure to read the entire question and all of the answers offered in full prior to submitting your response. They are meant to match you with the correct credit report information on file with the credit bureaus. If your answers do not match, we will need to verify your identity via mail or fax. For security reasons, please do not send your personal information or documentation by e-mail. Please note that the questions that are asked may be reflective of your current or past credit history. However, your answers to the questions are only used for verifying your identity and do not affect the score you receive on Credit Karma. Please let me know if you have additional questions. ****** Member Support Specialist Let me be more specific. Two of the questions are asking me about a home loan. I have NEVER received nor even applied for a home loan. Another question asks me about an auto loan opened in 2012. The last car I bought was in 2004, it was used and I paid cash. The fourth question asks me about a bank card opened in 2007. I have been only with one bank since 2000. I have confirmed that the personal information I furnished is correct. The absolute inaccuracy in these questions combined with a lack of understanding on your part makes me unable to trust your company enough to furnish any more information about myself. Please check to see why these questions are being asked. If you are unable to investigate these obvious errors, please cancel my application/account. Thank you, ******* ******

Desired Settlement: At the least I would like to know why inaccurate questions are being asked. This is pertaining to my credit score, and having wrong information linked to my credit would obviously have negative impact.

Business Response: Initial Business Response /* (1000, 5, 2015/07/27) */ ******* - The security questions that are asked are based on the personal information you entered during registration. They are meant to match you with the correct credit report information on file with the credit bureaus. If your answers do not match, we will need to verify your identity via mail or fax. For security reasons, please do not send your personal information or documentation by e-mail. Please note that the questions that are asked may be reflective of your current or past credit history. However, your answers to the questions are only used for verifying your identity and do not affect the score you receive on Credit Karma. I understand that you're having some trouble with registration. It looks like we were unable to verify your identity based on the details you provided. Until this is resolved, for security reasons, we can't give you access to Credit Karma's registered member services. In order to gain access to your free credit score on Credit Karma, please download, complete and return the attached form with the requested documentation. **For security reasons, please do not send your personal information or documentation by e-mail.** Feel free to let me know if you have any other questions. Thanks for your patience! ****** P. Member Support Manager Initial Consumer Rebuttal /* (2000, 7, 2015/07/28) */ (The consumer indicated he/she ACCEPTED the response from the business.)

7/10/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: The credit scores are not accurate according to the 3 credit bureaus I have been having issues with things on my report that dont belong to me and im trying to buy a home, but credit karma has different scores from the 3 bureaus.my scores are higher but for some reason they have lower scores .

Desired Settlement: I would like for credit karma to make the scores accurate

Business Response: Initial Business Response /* (1000, 5, 2015/06/24) */ *****, The credit scores you receive on Credit Karma come straight from TransUnion and Equifax, two of the three major national credit bureaus. It's not uncommon for scores to vary. Each consumer has dozens of different credit scores, though most people believe that each person just has one. Credit scores can vary for lots of reasons. First, each of the three credit bureaus can have slightly different credit report information for you. Secondly, the credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. Third, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. Comparing several credit scores will always be different, since all the models are inherently different. Tracking one credit score over time, shows you the ups and downs in your score that could signal a significant change in your credit health. You can also read more about credit score differences here: https://www.creditkarma.com/article/differentscores Hope this helps! If you have more questions, please feel free to let me know. ****** P. Member Support Manager

7/10/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: Fees being charged without my consent or knowledge for credit information. Request a free credit report pay the $1.00 fee signs you up for membership with Credit bureaus who then charge you a fee for credit tracking from $10-50.00 depending on credit bureau involved within 7-10 days. SCAM (FALSE information given to consumer) I am military veteran and Department of Veteran Affairs employee trying to correct credit concerns without additional fess.

Desired Settlement: All information to be provided to customers in writing without hidden tactics in getting credit information. FREE MEANS FREE no catches. That's why we serviced our COUNTRY!!

Business Response: Initial Business Response /* (1000, 5, 2015/06/24) */ ******, I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view his or her financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma because our service is completely free! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. ****** P. Member Support Manager

7/10/2015 Problems with Product/Service | Read Complaint Details
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Complaint: k im trying to register to credit karma and when i am trying to go to step 3 it takes me back to step 2 i gave them everything i have a complaint on credit karma they should have put a number on there site if ppl need help or have a live chat

Desired Settlement: need help with step 2 so i can go on to step 3 but it kept taking me back to step 2 so i need help please im getting confused with everything so i dont know if this is a scam or not due to what my hubby tolds me lol so if someone can help me that would be awesome XXX XXX XXXX

Business Response: Initial Business Response /* (1000, 5, 2015/06/24) */ ****** - We have responded to your support ticket regarding this issue. Please contact us at *******@creditkarma.com if you have any further questions, and we're happy to assist. Regards, ****** P. Member Support Manager

7/10/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: My credit rating changed dramatically. CreditKarma site is off. Serious issue. No one to contact. Help I opened a free credit report with CreditKarma.com. Approx 7or6 months ago. I recieved my report marked has "fair" I recieved a email that some changes happened on my report but, I cannot access any of their site. It forecloses due to it either being changed or just off completely. I tried capitolonecredit which uses credit karma and my rating was 400points lower. I have no idea why. I cannot contact creditKarma by phone. Its simply a recording to use there website which is not running. Im stunned, scared. And then in reviews for this company its states they settled a resent lawsuit? Why cant I get ahold of them. At all. I could really use your help. Thank you BBB

Desired Settlement: I would desperately like to know why my credit rating fell over 400 points? By what? And how? And who? This is serious. Sincerely, ***** ********

Business Response: Initial Business Response /* (1000, 5, 2015/06/24) */ ***** - The credit scores you receive on Credit Karma come straight from TransUnion and Equifax, two of the three major national credit bureaus. It's not uncommon for scores to vary. Each consumer has dozens of different credit scores, though most people believe that each person just has one. Credit scores can vary for lots of reasons. First, each of the three credit bureaus can have slightly different credit report information for you. Secondly, the credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. Third, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. Comparing several credit scores will always be different, since all the models are inherently different. Tracking one credit score over time, shows you the ups and downs in your score that could signal a significant change in your credit health. You can also read more about credit score differences here:https://www.creditkarma.com/article/differentscores Hope this helps! If you have more questions, please feel free to let me know. ****** P. Member Support Manager

7/10/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: NO contact from company after they took all my VERY personal info and said that I am not who I claim to be. I went to creditKarma.com to check my score. I HAD to agree to their terms and conditions, give them my SS#, address, and financial info. They ask for VERY personal, specific financial info to prove your identity. I answered every question 100% accurately only to see a notification that I need to mail a photo copy of my I.D., proof of where I live, and SS#. Obviously I was not going to do this so I started looking for a phone number only to realize there is no phone number. I found a number on a third party website, but when you call it there is just a recording telling you to email them and it then hangs up on you. I emailed with no response. I feel as tho I have made a horrible mistake by providing my personal info to this scam site. I can only guess now that they have my info I am bound to their terms and conditions...This should be illegal and they should be kicked off the BBB. I can't contact them to even see if I am bound to their terms still or not. I would greatly appreciate a phone call or at least a customer service number to talk to a human.

Desired Settlement: A phone call, and to not be bound to their terms and conditions because I answered all questions 100% accurately only to be told I didn't and to then mail them the info I already answred online.

Business Response: Initial Business Response /* (1000, 5, 2015/06/24) */ ***, I'm sorry for the frustrating experience. By clicking on the check box during the registration process, you have agreed to our Terms of Use and Privacy Policies. We responded to your support ticket on June 14th. The questions that you are provided with during registration are based on information on your credit report. They are meant to ensure that the personal information you provided directly matches you to the appropriate information on file with the credit bureaus. You have canceled your membership. We cannot allow you to establish a new Credit Karma account for six months. Please feel free to contact us again at *******@creditkarma.com if you have further questions. Regards, ****** P. Member Support Manager

6/29/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: On May 19, 2015, I located the Credit Karma website for the purposes of obtaining my reportedly "free credit report". I provided my personal information and upon submission I was immediately and erroneously advised I did not have any credit history.I am seriously concerned in that I provided my personal information to this site.

Desired Settlement: DesiredSettlementID: No settlement requested - for Credit Karma now has my personal information.I am seriously concerned with what it may be used for in the future.

Business Response: Initial Business Response /* (1000, 8, 2015/05/27) */ *****, I'm sorry for the frustration. I can see that you're having trouble with your Credit Karma registration. It looks like the information you're using to register doesn't match the information Equifax has on file. Please try past names or nicknames you have used (e.g. a maiden name or ******** for "*******"), if applicable, and your former address, if you've moved recently. You can modify your personal information here: https://www.creditkarma.com/myprofile/personal If this doesn't solve the problem, I would also recommend checking your full credit report at www.annualcreditreport.com(https://www.annualcreditreport.com) to see what information Equifax has on record for you, then updating your information and trying to complete registration again. Please let me know if you have any other questions. ****** P. Initial Consumer Rebuttal /* (3000, 10, 2015/06/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) I dont accept the response Using same registration info as required by credit karma including but not limited to ssn i was able to obtain my credit report w o issues thru experian credit karma still has my personal information How can I be assured suc information is not stored and or used otherwise by credit karma? Final Business Response /* (4000, 12, 2015/06/15) */ *****, We will use your SSN to validate your identity with the TransUnion and Equifax credit bureaus and retrieve your credit scores. During registration, we will ask for the last four digits of your SSN. However, if we require additional validation, the system will automatically ask for your full nine digits. Credit Karma is subject to certain record keeping and information retention requirements. Therefore, if you were to deactivate your Credit Karma account, we cannot delete your information outright. However, your information is stored on secure servers and your account will be inactive and inaccessible to anyone other than Credit Karma authorized personnel. You can read more in the "Terminating Your Account" section of our verified TRUSTe privacy policy here. (http://www.creditkarma.com/about/privacy) If you have further concerns, please feel free to let me know. I'd be happy to answer them. ****** P.

6/25/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Cannot get response. Been a month still haven't been able to access my account after several times sending documents I discovered there was an account with some of my personal information. I mailed my license to address for a resolution in 5 days ( it has now been over a month) they requested more documents which I have faced three times and mailed and emailed, still no fix. The only response I can get is this issue should be resolved in five days. It has now been 35 days and still nothing.

Desired Settlement: I want to be able to access the account.

Business Response: Initial Business Response /* (1000, 5, 2015/06/24) */ *****, It appears your information has been updated on your account. If you have further questions, please contact us at *******@creditkarma.com. Thanks for your patience. ****** P. Member Support Manager Initial Consumer Rebuttal /* (2000, 7, 2015/06/25) */ (The consumer indicated he/she ACCEPTED the response from the business.) I think it's horrible business to have to contact BBB to get anything done.

6/18/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Credit score NOT BEING UPDATED FOR OVER 1 MONTH! INNACURATE!!! For over 1 month now, Credit Karma has failed to correctly update my credit information and score. Every week (updates Sunday) I get an error message that states:"We're unable to update your credit information due to routine maintenance. Our connection to the credit bureau is down due to routine maintenance. Please try again in an hour to update your account." I try again later in the day, and nothing has changed! I check a few times a day, no change. They update weekly, so I wait ALL WEEK and NOTHING! My credit score has remained unchanged even though there have been positive changes. My score is supposed to gain - yet it is the same as when there were negative items. My Experian credit score did increase, yet remains the same on Credit Karma (TransUnion & Equifax) I have been in e-mail contact with their customer service department, as there is no tel# and I have some guy Rupert dodging the question and failing to escalate my complaint to supervisor level, even though I have repeatedly asked him to. I feel that Credit Karma does not update correctly so you are forced to purchase a credit report. I have reached my limit and demand a correct and consistent update!!!!!

Desired Settlement: Correct and consistent update to my credit report and score

Business Response: Initial Business Response /* (1000, 5, 2015/06/02) */ *******, Credit Karma is not a credit bureau, therefore we are unable to make changes to your credit report. You have previously stated that an account should have been removed from your report - Creditors normally send updates to the credit bureaus once a month, so the item in question may not have been removed immediately. Credit scores typically do not change daily. Even if there is a significant chance, such as a collection being removed from your report, your score may not change. Please allow some time for the update to process. Regards, ****** P. Member Support Manager

6/18/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: While I went to Credit Karma website on 5/11/15 to review my credit, print-in a matter of a week my Credit dropped 53 points. I have no idea why? There was nothing to purchase, only review and print. no was reported by Creditors that would cause my file to drop 53 points. File needs to be reviewed and updated.

Desired Settlement: To review my Credit and request for copy.

Business Response: Initial Business Response /* (1000, 5, 2015/06/02) */ *******, Your credit score can change at any time, or stay the same for quite some time. There are many factors that impact your score, so specific credit activity may not always result in the kind of change you expect. We've recently upgraded our site to feature VantageScore 3.0 credit scores (provided separately by TransUnion and Equifax). VantageScore 3.0 is not the same as a FICO score, and it focuses more on recent credit history, which may be why you see more frequent changes. Each scoring model has a slightly different formula for analyzing the many different factors of your credit report. VantageScore 3.0 incorporates a broader set of credit-related data and can score up to 30 million more people than other models. With so many different scoring models out there, you never know which score a bank will use, but VantageScore 3.0 is a strong predictor for what the banks may see. You can read more about VantageScore 3.0 here: https://www.creditkarma.com/article/VantageScore-3-0 ****** P. Member Support Manager

6/17/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: I had a 2000 dollar debt removed From my report and it has not updated and raised my score even a point why I want my scored raised up the tmobile debt was resolved ans removed why is my score still in the 500 area I want this fixed now they said 45 days it has not changed

Desired Settlement: please fix my score at once

Business Response: Initial Business Response /* (1000, 5, 2015/06/15) */ ******, The frequency of the updates can vary by the credit bureau and the lender. In most cases, you can expect your creditors to report new balances, payment activity, credit limit changes, or late payment information every 30 days. All of the credit report information on Credit Karma comes straight from TransUnion and Equifax, two of the three major credit bureaus. We're not a credit bureau, so we don't have the ability to make changes to your credit report. To correct errors you see on Credit Karma, you must file a dispute directly with the credit bureau that shows the error. To file a dispute with TransUnion, please head over to the TransUnion site here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page To file a dispute with Equifax, please head over to the Equifax site here: https://www.ai.equifax.com/CreditInvestigation/home.action The 10-digit confirmation number is *not required* to fill out this form. Let me know if you have any more questions. ****** P. Member Support Manager Initial Consumer Rebuttal /* (2000, 7, 2015/06/16) */ (The consumer indicated he/she ACCEPTED the response from the business.)

6/17/2015 Advertising/Sales Issues
6/15/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: Credit information reflects that I was over 30 days late making mortgage payment with suntrust bank. It was in fact a bank error Suntrust sent me a letter of apology and assured me that it would be removed from the credit bureaus in a couple of days. It has not been removed and my credit score has suffered tremendously. I was applying for credit to purchase an item and when they saw my credit score they denied me. Due to this bank error my score went from middle 700,s to low 600. This must be cleared up immediatelyy. Thanks

Desired Settlement: Please upgrade my credit report asap

Business Response: Initial Business Response /* (1000, 5, 2015/05/28) */ ***** - All of the credit report information on Credit Karma comes straight from TransUnion and Equifax, two of the three major credit bureaus. We're not a credit bureau, so we don't have the ability to make changes to your credit report. At Credit Karma, we focus on providing credit score and credit health resources. If you would like to review your full credit reports, please click on the following links to view your report: TransUnion credit report (https://www.creditkarma.com/myfinances/creditreport/transunion#overview) Equifax credit report (https://www.creditkarma.com/myfinances/creditreport/equifax#overview) To correct errors you see on Credit Karma, you must file a dispute directly with the credit bureau that shows the error. To file a dispute with TransUnion, please head over to the TransUnion site here. (http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page) To file a dispute with Equifax, please head over to the Equifax site here.(https://www.ai.equifax.com/CreditInvestigation/home.action) The 10-digit confirmation number is *not required* to fill out this form. Let me know if you have any more questions. ****** P. Member Support Manager

6/12/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: I try to finish the info to get my report, it won't let me enter the "required info and then goes into web page can't be shown on numerous times. I just want to get what they are offering in their ads. Talk about a run-a-round in trying to enter the last piece of information be for the "web page can not be displayed." The only info they want is the last four digits of my ssn and it will not accept what was entered - just sends me back to the "enter the last 4 digits of you ssn."

Desired Settlement: No settlement is expected but that I can use their service. So a contact from Credit Karma?

Business Response: Initial Business Response /* (1000, 5, 2015/05/26) */ *********** I can see that you're having trouble with registration. It looks like the information you're using to register doesn't match the information TransUnion has on file. Please try past names or nicknames you have used (e.g. a maiden name or ******** for "*******"), if applicable, and your former address, if you've moved recently. You can modify your personal information here: https://www.creditkarma.com/myprofile/personal If this doesn't solve the problem, I would also recommend checking your full credit report at www.annualcreditreport.com(https://www.annualcreditreport.com) to see what information TransUnion has on record for you, then updating your information and trying to complete registration again. Please let me know if you have any other questions. ****** P.

6/9/2015 Problems with Product/Service | Read Complaint Details
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Complaint: my complaint was forwarded to my friends e-mail instead of mine and i went to his house only to find out that i couldnt e-mail them back i couldn't e-mail them back in the traditional way i had to essentially hack into the message they sent to express my displeasure only to have them re forward the e-mail back saying invalid feedback oh me telling them i'm unhappy is invalid? yeah right i cannot get them to change the e-mail on my acct and i am locked out attempts to create a new acct have failed so i am assuming they wont let me create a new one yet i cannot access my old one so in essence i am locked out and cant get back in

Desired Settlement: i want them to apologize to me and to let me back into my acct and to change the e-mail since nothing they send me work and i am an invalid person they wont listen to me anymore so i need a third party to help me get back in the e-mail they need to put on the acct is **************@comcast.net and if they need a backup e-mail have them add **************@gmail.com i have no way to reset my password ***** they refuse to allow me to do that so i need that reset too WITH a proper link not something they whipped up to make me feel like somethings ok when its not

Business Response: Initial Business Response /* (1000, 5, 2015/05/22) */ ****, In our communications, you indicated that the email address you want active on your account is **************@gmail.com. That is the email address listed on the active account. It looks like you have been able to access your account recently. If you are still unable to access your account, you may respond to your previous support requests (listing the same issue) and we can assist you with resetting your password. Regards, ****** P.

6/9/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: I went to inquire about my credit score, entered my name and address and phone number, wont let me get score, after they got all my pers.info. when to there site, entered all my personal information, as i went to enter to get my score, it has a space for ss number, wont let me enter the number ( required field ) therefor cant get my " free" score, AFTER they have my name, address, and phone number, FUNNY they have my phone number and they don't have one, oh, yes they do, a recording that blah, blah, blah, than disconnects !! bunch of B.S. Now I'll get all this **** mail and phone calls about my money ( services ) and I still dont have my " free " credit score, but I bet there will be a " offer " that I can purchase !!

Desired Settlement: require them to have a customer service number !! fix there web.site

Business Response: Initial Business Response /* (1000, 5, 2015/05/22) */ *******, It appears you were able to complete registration on our site without any issues. Please email us at *******@creditkarma.com if you have further questions. As a reminder, as our Privacy Policy and Terms of Use make clear, we do not sell or rent any member's personal information to third parties. As we explain in our Privacy Policy, we may present you with opportunities for additional products or services that may require submitting information to unaffiliated third parties. In connection with these opportunities, we identify the relevant third party and in general, you will be taken to a third-party site to complete the transaction or asked to submit information to the third party through a form on our site. When you choose to provide information to an unaffiliated third party, we are not responsible for the privacy practices of such third parties. Regards, ****** P.

6/7/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: CK offered a cap one cc to me odds were very good of approval cap one denied me even with a higher score than that which CK claims is the average. My CK score went up recently to 648 i was exited. they had blasted my account with an offer for a cc from capitol one quicksilver. they stated my odds of getting it were VERY GOOD so i read all disclosures and applied for it. well Capitol one denied me. Here is the funny part of it CK states that the average credit score that gets approved with Cap one is 617, So i Definately have a good chance right? Well Now i have A hard inquiry and -2 Points from my score leaving it at 646. I contacted capitol one to have a courtesy waive of the hard inquiry, but they state they are in no way affiliated with credit karma. so why then is ck offering such a lie of approval odds? there is no way to call ck only a *******@creditkarma.com email address very bad practice and false advertisement. they need to be held accountable for this.

Desired Settlement: What I want is for credit karma to do is remove the hard inquiry that i got due to the lies they offer and i want my 2 points back thats all i will cancel my account after that and never look back.

Business Response: Initial Business Response /* (1000, 5, 2015/03/26) */ ******, Unfortunately, we can't know for sure if lenders will approve or decline applications, as it's totally up to the lender. However, we do the best we can by basing our approval odds on historical data. Please know that we're always working to build better models and give people the best information that we can. Our goal is to always do what's best for our members. Please let me know if you have any further questions. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2015/04/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) This response is pathetic, how can one offer such GREAT ODDS on something based on past data? Now because you make it so "SIMPLE" to make consumers believe that we have a great opportunity to establish a credit card i have a new hard inquiry and -2 points. Oh and i called capitol one spoke with the application department and underwriting, and both departments state they do not affiliate nor do business with credit karma. So how could you advertise for a business you have no affiliation with? Stop giving excuses and fix what you caused. False advertising and false customer service there's no way to speak to anyone there at ck. Why do you hide from your customers with only email options? Reverse my inquiry with the reporting agencies and get my 2 points back. I will escalate this to consumer affairs and further if need be. Stop giving false odds based on a stupid data record.

6/3/2015 Problems with Product/Service | Read Complaint Details
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Complaint: To verify my identify they asked me questions and the answers they gave were not correct and they denied me access to my credit report. I registered and entered my sensitive personal information and to verify my identity they asked me several questions about information from my credit report, however the answers they gave were incorrect. So I answered the questions appropriately and they said they couldn't verify my identity without a complicated process of verifying my identity. I don' have access to a fax machine and I am not mailing a copy of my identification documents, and they won't accept scanned documents via email. So they have my sensitive personal information and refuse to let me access to the product.

Desired Settlement: I would like the opportunity to re-verify my identity via telephone or on their website.

Business Response: Initial Business Response /* (1000, 5, 2015/06/02) */ Hi *******, It looks like you were able to complete registration and access your Credit Karma account. Please let me know if you have any additional questions. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (2000, 7, 2015/06/03) */ 6-2-15 Sent via email: Mrs. *****, Thank you for contacting me in regards to my complaint with Credit Karma. The answer is yes my issue has been resolved. Here is their response:

6/2/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Credit Karma's rates third-party offers based on detailed info of my credit. Their ratings are always wrong; damaging my credit when I apply. I have acquired my credit reports so that I can list every review and failed attempt at building credit relative to the probability of approval as rated by Credit Karma. This is a deceptive and costly business practice to me the consumer and places their relationship with other creditors above the interests of me, their direct consumer.

Desired Settlement: The only way to remove these derogatory marks is to employee a firm like Lexington Law; but in order to that, I'll have to pay $100 month for the next year to two years. I request some form of credit with Lexington Law so I can employ them to remove offers that were not evaluated in good faith to me, their direct client.

Business Response: Initial Business Response /* (1000, 7, 2015/05/15) */ *****, Unfortunately, we can't know for sure if lenders will approve or decline applications, as it's totally up to the lender. However, we do the best we can by basing our approval odds on historical data. We'll be the first to admit that we don't always get it right, but please know that we're always working to build better models and give people the best information that we can. Our goal is to always do what's best for our members. Regards, ****** P. Member Support Manager

6/2/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: One. offering lower credit score than I really do. And told me had hard hit, tried change password, send to email, never got it! X-X-XXXX XX:XX am. I received a hard hit message from Credit Karma. I tried to sign in to see what it was, but it wouldn't let me. So I requested to reset the password, that sent to my email. *********@hotmail.com. I did not receive that email. It's now 45 min. later.

Desired Settlement: I want my account closed now and off there list to sale to other companies. My Mothers Maiden's name is Bye. last social is ****.

Business Response: Initial Business Response /* (1000, 5, 2015/05/15) */ ******, I am more than happy to help you resolve the issues you're having with logging into your Credit Karma account. You will need to contact us directly at *******@creditkarma.com so we can verify who you are before proceeding. It looks like the email you received was just to notify you that an inquiry has fallen off your report (email sent 5/5/15), not that a new inquiry was made. Please let me know if you see a different message. Thanks for your patience, ****** P. Member Support Manager

6/2/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: I can not get through to cancel. I have tried multiple times on different days. There is silence when you call and enter #1 or try any other option. I have been monitored by Credit Karma for a couple of years. I have tried on many separate occasions in the last 3 months to call and cancel I have tried getting through to the operator or any other service person. I can not get through AT ALL.

Desired Settlement: I have been trying to cancel since March. I just want to cancel.

Business Response: Initial Business Response /* (1000, 5, 2015/05/15) */ *******, We do not currently offer telephone support. Email is the best way for us to make sure every question is answered efficiently and in the order it's received. I'm sorry you want to cancel your membership. Keep in mind that Credit Karma is a completely free service. We will never charge you, nor will we or our partners ever send you spam. Please note that, for security reasons, once you've canceled your membership, you will not be able to establish a new membership for six months. If you still wish to cancel, please log into your account and find the account cancellation page at the bottom of your security settings. (https://creditkarma.com/myprofile/security) If you'd rather cancel your membership via mail, please send a letter with your name, date of birth, and the email address you used to register for your Credit Karma account to the following address: Credit Karma, Inc. P.O. Box 520 San Francisco, CA XXXXX-XXXX OR Send this information to our secure fax line: XXX-XXX-XXXX. We're sad to see you go, and hope you enjoyed the service. Regards, ****** P. Member Support Manager

5/22/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Trumped up Revised Credit Score. Last week Credit Karma revamped my credit score from Transunion was reduced by 73 points in one month without cause. I've been working very diligently to improve my credit score and to arbitrarily change my score by reducing it by 73 points is tragic in the world of credit scoring. I want to apply for refinancing of my mortgage but am worried about what else they are going to do. No notice, just a drastic change. Oh, but then Credit Karma offers a solution.......yes, imagine that! What is the offer? A new Capitol One Credit Card. Ridiculous! If I'm such a credit risk, why would Capitol One offer me a credit card? I'm totally sick of these people trying to take advantage of consumers.

Desired Settlement: Fix my credit score from Transunion back to what it was 2 weeks ago by improving my score back to where it was. And, stop trying to sell me on opening up new credit cards!!!!

Business Response: Initial Business Response /* (1000, 5, 2015/05/06) */ *******, Your credit score can change at any time, or stay the same for quite some time. There are many factors that impact your score, so specific credit activity may not always result in the kind of change you expect. Our website has a blog post explaining credit score changes in more depth: http://blog.creditkarma.com/credit-101/credit-scores/credit-101-credit-score-changes/ The advertisements and offers you see on our site enable us to make this service free for you. Our free credit scores are provided by partners who share in our vision that consumers should have free access to their score. Please let me know if you have additional questions. ****** P. Member Support Manager

5/18/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Web page not available. I have tried periodically for the past 10 hours to log in to https://www.creditkarma.com/ and I continue to receive the same error message, "This WebPage Is Not Available." This is quite worrisome since I had signed up for an account with this site that includes all of my personal information, including my social security number. I get the same response of "This WebPage Is Not Available" when I attempt to use their "Contact" page. Since I can't access their webpage at all, I can not even find a phone number to contact. I am very uneasy about this company being unapproachable with all the consumer information they hold.

Desired Settlement: Notification via email if this site is experiencing temporary difficulties or if they have completely terminated their site; an alternate website to contact with issues.

Business Response: Initial Business Response /* (1000, 5, 2015/04/30) */ This may just be a technical issue - if possible, please try the same action with a different browser, such as Google Chrome, Firefox or Safari. For security reasons, Credit Karma is only compatible with the three most recent versions of each browser. If you are not using one of the three most recent versions of your browser, please update your browser and try completing this action again. If you continue experiencing issues, please reply and let me know what browser and browser version you are using. You can find this information by visiting http://***************. Thanks for your patience, ****** P. Member Support Manager

5/18/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Someone other than myself got my credit report from Credit Karma Today 2/23/15 I received a Chase Visa credit card from Amazon.com. I did not apply for the credit card. I canceled it immediately and was refered to TransUnion to start a credit fraud. I found out that someone tried twice to pull my credit report from TransUnion unsuccessfully. They tried pulling it using my name through CreditKarma on 2/10 or 2/13/15 and were successful. I want to find out who and how someone did this and what information they had to provide to get my credit information.

Desired Settlement: I want to find out who obtained my credit information and what information they had to provide to get my credit information. I would like to permanently cancel anyone's abilility to get information on me through Credit Karma

Business Response: Initial Business Response /* (1000, 6, 2015/03/02) */ Hello *****, As communicated to you through our Support portal, we have deactivated the account in question Another account cannot be made using your personal information until we receive the requested documentation from you. As part of our commitment to security and privacy, and pursuant to our Privacy Policy (https://www.creditkarma.com/about/privacy), we are not able to disclose any information outside of an official request from a government agency. If you choose to file a police report, we would be happy to cooperate with the investigation. Please have the officer or investigator contact us directly at *******@creditkarma.com. Thank you for your patience. ****** P. Initial Consumer Rebuttal /* (3000, 8, 2015/03/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do have a police report filed and I have given the officer in charge of my fraud case the information to contact Credit Karma. He is filing a subpoena to get information on the person who accessed my account through Credit Karma. The information I would still like to receive from Credit Karma is what type of information was given to them in order to open my account? For instance, all or part of my social security number, birth date, etc. Also, what information did they obtain about me? Like credit report, credit score. They don't have to be specific, just say social security number, birth date, etc. to get in; and the same for what they gave out. I would also like to know how to block access to any accounts pertaining to any of my family members on Credit Karma. There is no way to actually SPEAK with anyone from Credit Karma. It all has to be done online, and they are slow to respond and their reply doesn't resolve the issue. Final Consumer Response /* (3000, 15, 2015/04/23) */ Credit Karma said they need a subpoena to release the information I asked for. The Shelby County Police Department submitted a subpoena to them my mail and by fax. Credit Karma was given April 19 to respond to the subpoena. Today is April 23. They have yet to respond. Final Business Response /* (4000, 17, 2015/05/06) */ *****, We followed up directly with the Shelby County Police Department. Please let me know if you have any other questions. Regards, ****** P. Member Support Manager

5/13/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: CANT GET IN CONTACT WITH CREDIT KARAM ABOUT WRONG CREDIT SCORE THEY HAVE LISTED. I have been unable to contact someone with Credit Karma to handle a dispute regarding my credit score. I have been working with Transunion, Equifax and Experian to clear up wrong information listed on my credit reports and several items have been deleated from my reports and yet credit Karma shows my credit score to being lower when indeed it should be going higher. I cannot reach anyone at Credit Karma to discuss this issue and have it repaired. All of the 3 major credit bueraus have been updating my score yet it keeps dropping with credit karma. just in 1 month it dropped by 90 points when nothing new is on there and every account is paid up to date not late and even things have been removed but still yet credit karma keeps dropping it. and its really stopping me from buying my dream house. they need to fix it asap. not even a repo can drop your score by 90 points the credit bueraus said. only one account open as of now all others have been deleted and removed but they keep dropping my score.fraud company.

Desired Settlement: to fix my score to the correct score it should be which should be over 609. it was 609 now it dropped to 520 in just one month when nothing new on credit and nothing was paid late so how can they do that. it has to be a nistake and they need to fix there error asap.

Business Response: Initial Business Response /* (1000, 5, 2015/04/17) */ ********, Credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. It's important to also know that there is no 'one true credit score'. Each credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. In addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. As an example, a mortgage company will get a different score than a company providing auto loans, since they are looking for different types of credit history and credit factors. Hope this helps! If you have more questions, please feel free to let me know. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2015/04/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) IT STILL DOES NOT MAKE ANY SENCE ON HOW MY SCORE DROPED BY 90 POINTS IN ONE MONTH JUST BY THIS COMPANY CREDIT KARMA. AND I DONT HAVE ANY NEW ACCOUNTS OR HAVE I PAID ANYTHING LATE. SO IT STILL DOES NOT ADD UP TO DROP BY 90 POINTS IN LESS THAN 30 DAYS. I WANT IT FIXED NOW. Final Business Response /* (4000, 9, 2015/04/29) */ ********, I do understand that credit scores can be confusing. Our site exists so you can review the information that your lenders are reporting to the credit bureaus TransUnion and Equifax, and how the information reported affects your score. There are many different scoring models and banks may use a different model based on the type of credit for which you are applying. The scores provided to you are not in error, but are representative of the information on your credit reports, and calculated using the VantageScore 3.0 model provided by TransUnion and Equifax separately. This is not a FICO score. I suggest that you review the various factors that can impact your score to see what might be impacting the change in score: https://www.creditkarma.com/myfinances/scores/ Please let me know if you have more questions. I'm happy to answer them. Regards, ****** P. Final Consumer Response /* (4200, 11, 2015/05/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) I MAIN CONCERN AND WHAT YOU FAIL TO ANSWER IS HOW CAN MY SCORE DROP BY 90 POINTS IN JUST 30 DAYS WHEN NOTHING WAS PAID LATE OR NOTHING NEW WAS ADDED ON MY CREDIT. ANSWER THAT QUESTION. YOU HAVE YOUR RECORD YOU CAN SEE WHERE IT WAS 609 THEN DROPPED TO 520. WHICH IS CRAZY. ANSWER THAT QUESTION. AND YOU CAN SEE NOTHING WAS PAID LATE OR ADDED ON MY CREDIT SO HOW CAN IT JUST DROP FOR NOTHING. YOU GUYS ARE A FRAUD AND MESSING UP PEOPLE CREDIT.IM GONNA FILE A LAWSUIT IF YOU DONT RESEARCH AND FIX BECAUSE IF YOU DID RESEARCH IT YOU WOULD SEE WHAT IAM TALKING ABOUT.

5/7/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: I never gave my work email at the Ohio Attorney General's office to you. It showed up on my work email after I took you off my phone. I did not give my work email address to you. I work for the Ohio Attorney General's office and not only is it totally inappropriate to receive this in my email but it is upsetting that you use it and it was not given to you. This is the second request to not email me. Please attend to this matter as soon as possible.

Desired Settlement: ASAP - take my work email off your list.

Business Response: Initial Business Response /* (1000, 5, 2015/04/21) */ *****, It looks like we responded to your initial support ticket this past Thursday. *****, According to our records, this is the email address that was entered during registration. We have not added this email address. You may login to the Credit Karma website to update the email address listed on your account under your security settings. If you would like to cancel your membership, I'm sorry to hear it. Keep in mind that Credit Karma is a completely free service. We will never charge you, nor will we or our partners ever send you spam. Please note that, for security reasons, once you've canceled your membership, you will not be able to establish a new membership for six months. If you still wish to cancel, please log into your account and find the account cancellation page at the bottom of your security settings. If you'd rather cancel your membership via mail, please send a letter with your name, date of birth, and the email address you used to register for your Credit Karma account to the following address: Credit Karma, Inc. P.O. Box 520 San Francisco, CA XXXXX-XXXX OR Send this information to our secure fax line: XXX-XXX-XXXX. We're sad to see you go, and hope you enjoyed the service. Regards, ****** P. Member Support Manager

5/6/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: A fraudulent Credit Karma account was opened in my name by another person to gain access to my personal financial information. On April 6th, 2015 I attempted to open a Credit Karma account to check my credit score. During the sign up process I was informed that there was already an account open in my name. I had never visited the Credit Karma website before so the account that was already in my name was being managed by someone that was trying to gain access to my financial information. I gained access to the fraudulent account and shut it down. I then tried to proceed with opening a legitimate account which I could use to track my credit, but was informed that "I had closed my account and couldn't gain access again for 6 months." I tried to contact customer service to explain my situation, but all I got were rehearsed replies, and no concern for the fact that their lack of security checkpoints allowed someone to steal my identity and gain access to personal information on their website.

Desired Settlement: I would like to be able to set up a Credit Karma account so that I can track my credit. I would also like there to be stricter security on the website so that others don't fall victim to the identity theft through the site that I have suffered.

Business Response: Initial Business Response /* (1000, 5, 2015/04/17) */ Hello ***** - It looks like we have followed up with your support request. In case you still need a copy of the instructions, they are listed below: In order to reactivate it or change any information on the account you'll need to follow the steps below to verify your identity. It's a necessary procedure to ensure the security of the account. Draft a letter including the following information so we can match your documentation to your account: a. Your full name (please include any previous last names) b. Your date of birth c. The email address you would like to use for your Credit Karma account You must include a copy of one form of documentation from the list below. NOTE: DO NOT SEND ORIGINAL (ONLY PHOTOCOPIES) OR EXPIRED DOCUMENTATION - WE WILL NOT ACCEPT THEM. Drivers License or State ID Passport Green Card /Temporary Resident Card Birth Certificate Send your letter and documentation via postal mail or fax to: Our secure fax line: XXX-XXX-XXXX OR Credit Karma, Inc. Attn: Member Support **** *** *** *** ********** CA XXXXX-XXXX For security reasons, please do not send personal documentation via email. Once I receive these documents, we try to update accounts within 5 business days. When your account has been updated we will let you know with a confirmation email. In this circumstance, some people prefer to file a police report. If you are planning on filing a report, please have the police investigating the case contact us directly and we'd be happy to help provide any information that would be helpful for the investigation. Please let me know if you have any questions about this process. Regards, ****** P. Member Support Manager

5/6/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Rejected the last 4 digits of my SSN and all following info requests approx. 5 or 6 times. Help function only directed me to how to change password. Rejected the last 4 digits of my SSN and all following info requests approx. 5 or 6 times. Help function only directed me to how to change password. Site offered no other means of contact. Following which I cancelled the account.

Desired Settlement: N/A

Business Response: Initial Business Response /* (1000, 5, 2015/04/17) */ Hi *****, It looks like there was actually another issue you may have encountered while registering that was NOT an issue with your SSN. Unfortunately, I will need you to email us at support@***********.com in order to validate that I am reviewing the correct account. We would be more than happy to assist you in completing registration. Thanks for your patience, ****** P. Member Support Manager

4/23/2015 Delivery Issues | Read Complaint Details
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Complaint: Someone created a fraudulent Credit Karma account using my identity, and there is no online resource or phone number to call to remedy the situation. On March 5, 2014, someone created a Credit Karma account under my identity. This fraudulent user was allowed access to all of my personal financial data by Credit Karma.

Desired Settlement: Credit Karma must eliminate the fraudulent account created under my identity and put in place more robust security measures to avoid future instances. Credit Karma does not have the proper security in place to be handling credit report information.

Business Response: Initial Business Response /* (1000, 5, 2015/04/07) */ ******, I have identified an account that contains some of the information you have provided through the BBB website. I have suspended the account so that no one can access it. Please be aware that our security measures prevented this individual from completing registration and they were not able to access your credit information on Credit Karma. To verify this account does not belong to you, please email us at *******@creditkarma.com and put in the subject line "To **** - BBB Complaint" and she will follow up with you directly. Please let me know if you have any questions about this process. Regards, ****** P. Member Support Manager

4/22/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Credit Karma created an account without my permission and then reactivated it again 2 months later. No explanation given. In February 2015 Credit Karma sent me an email informing me my account was created when I had never visited their site before. I opened a help desk ticket with them asking them to close the account and they did. Two months later I received another ticket from them informing me they had received my documentation and my account had been reactivated. I replied and notified them that I had not requested an account in the first place, certainly hadn't asked for it to be turned on again, and asked that they explain where they are receiving my information from. They have not responded, and there is no phone number listed for contacting them.

Desired Settlement: A written explanation as to how they received my information in the first place so that I can make sure my personal identification information has not been compromised, and a phone number listed on their web site. I cannot believe a Credit monitoring company thinks they can successfully operate without a phone number customers can use.

Business Response: Initial Business Response /* (1000, 5, 2015/04/21) */ *****, Based on the information you have provided here (name and zip code), I am unable to find an account matching your personal information. It's possible that someone may have accidentally used your email address to register for Credit Karma. I can remove your email address from our database if that is the case, but in order to do so, I will need you to email us at *******@creditkarma.com and provide your name, date of birth, and reference BBB #XXXXXXXX. I apologize for any confusion and thank you for your patience. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (2000, 7, 2015/04/22) */ (The consumer indicated he/she ACCEPTED the response from the business.) I have already requested that my address be removed and was told that was completed via Member Support Response XXXXXXX. On a side note, under no circumstances will I provide my date of birth when a simple unsubscribe/list removal of an email address is the issue at hand. In my previous interactions with your support team they did not ask for my DoB when handling my request.

4/21/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Credit Karma sells data obtained thru usage of its online service to credit collection agencies. This is not disclosed & violates privacy rights. I used Credit Karma online service only to subsequently have several collection agencies call seeking individuals whose name was similar to mine.

Desired Settlement: Cease selling private information to third parties without express approval of the individuals whose information is being captured and sold.

Business Response: Initial Business Response /* (1000, 5, 2015/04/01) */ *****, As our Privacy Policy and Terms of Use make clear, we do not sell or rent any member's personal information to third parties. As we explain in our Privacy Policy, we may present you with opportunities for additional products or services that may require submitting information to unaffiliated third parties. In connection with these opportunities, we identify the relevant third party and in general, you will be taken to a third-party site to complete the transaction or asked to submit information to the third party through a form on our site. When you choose to provide information to an unaffiliated third party, we are not responsible for the privacy practices of such third parties. If at any time you no longer wish to receive e-mails from Credit Karma, you may use the "Unsubscribe" button at the bottom of any of our e-mails or adjust your communication preferences by logging into our site and visiting the "Communications and Monitoring" page. Regards, ****** P. Member Support Manager

4/21/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My account was hacked and now my personal information is compromised. I attempted to log into my Credit Karma account, and continually received the error message: The email or password *** entered is incorrect. My last successful log in was early March, since then I have not changed my email nor my password. I made multiple attempts at what is/was my password. By then, I figured I could have typed my password ************ so I decided to click the "log in assistance" to reset my password. I typed in my correct email address and waited minutes for a reset link to be emailed to me. After no email reponse, I clicked the "log in assistance" once again and waited even longer, still no email. So, I clicked the link: "correct email address." I typed in my information: name, address, and last 4 for social; and the email that shows as registered under my personal information is modified/incorrect. The following is added to the end of my email address: _REPLACEMENT_********. I have absolutely no idea what that phrase is, but that is not my email. I sent a message to customer support regarding the incorrect information. Also, I pulled my credit report and it shows an inquiry from Credit Karma on March 23, 2015. I have not had access to my Credit Karma account, so that credit inquiry was not authorized. I have also tried to change the email on file (once again typing in the same personal information that I used when I clicked "correct email address." link, and received the error message: We could not find an account matching the information you provided. How is that possible?

Desired Settlement: I request that Credit Karma contacts me immediately. Tomorrow is Friday, and at this pace, I may not hear from Credit Karma until Monday. My personal information has been comprised. The person that hacked my account has access to my social security number, address, and financial account information.

Business Response: Initial Business Response /* (1000, 5, 2015/04/02) */ ******* - It looks like we have followed up with your request and sent you the email address that is active on your account. Please respond to that message directly if the email address on the account does not belong to you. Regards, ****** P. Member Support Manager

4/17/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: IDentity theft, fraudulant account creation, failure on the part of the business to resolve the issue. Someone fraudulently posed as me and created a Credit Karma account in my name. Being unfamiliar with Credit Karma, I'm assuming the perpetrator has gained access to my credit report, among other things. When I contacted Credit Karma about this, they ''suspended'' the account. I want the account closed permanently and they will not do that. The only information they would provide to me was the email address used to create the account: ***********@gmail.com. That is an email address used by my husband's ex-wife, ********************. When I asked for the date in which the account was created and what the perpetrator has access to under my name, I was told (via email) that is ''against Credit Karma's privacy policies'' and that ''law enforcement needs to contact them (via email) for that information. How am I going to get a police officer or federal investigator to email them? I have filed a complaint with the Federal Trade Commission and I am going to file a police report but the FTC and the police want to know the date in which the account was created. I have asked Credit Karma for a number so, I may speak to someone about my concerns and find out the date the fraudulent account was created as well as what the perpetrator has access to and how to close that account and was told (via email) that they do not give out phone numbers, that they handle all complaints via email. I was given no information on how to close the account, what access the perpetrator had to my information nor the date the account was created so, I may proceed with prosecution. This is unacceptable. My husband is full time, active duty Army. He too had a Credit Karma account fraudulently created in his name (again, by his ex-wife). This has caused us to spend nearly $300 for an Identity Protection service and another $300 for credit report monitoring. We would like some resolution. We would like: 1. The date the fraudulent account was created 2. What information or services the perpetrator has/had access to 3. The accounts closed 4. Credit Karma's account creation practices scrutinized. It must be very easy to pose as someone else!

Desired Settlement: We would like: 1. The date the fraudulent accounts were created 2. What information or services the perpetrator has/had access to 3. The accounts closed 4. Credit Karma's account creation practices scrutinized. It must be very easy to pose as someone else!

Business Response: Initial Business Response /* (1000, 5, 2015/03/13) */ **** - We have deactivated the account. Another account cannot be created using your personal information. Because Credit Karma is a financial services company, we are required to comply by certain information retention requirements. Therefore, when an account is deactivated, we cannot delete your information outright. However, your information is stored on secure servers and your account will be inactive and inaccessible to anyone other than Credit Karma authorized personnel. Only you will be able to access the account again by submitting the documentation in our previous communications. This account was created July 2013. As part of our commitment to security and privacy, and pursuant to our Privacy Policy (https://www.creditkarma.com/about/privacy), we are not able to disclose any information outside of an official request from a government agency. If you choose to file a police report, we would be happy to cooperate with the investigation. Please have the officer or investigator contact us directly at *******@creditkarma.com and we will cooperate with the investigation. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2015/03/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) They did not respond to my second request: What information (of mine) or services (on my behalf) did the perpetrator (********************) gain or have access to? Final Business Response /* (4000, 9, 2015/03/31) */ ****, As my previous response stated, pursuant to our Privacy Policy, we are not able to disclose any information outside of an official request from a government agency. If you choose to file a police report, we would be happy to cooperate in the investigation. Please have the investigating officer contact us at *******@creditkarma.com and we will respond accordingly. Regards, ****** P. Final Consumer Response /* (4200, 11, 2015/04/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) In order to file a police report, I need the following information: A detailed list of the information or services the perpetrator has/had access to under MY NAME/the fraudulent account! I am pressing charges against the perpetrator and have filed a federal internet crimes complaint and both local and federal entities need this information. The police nor I care about your privacy policies. You were instrumental in breaching MY privacy.

4/16/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Since accessing the site,I have been harassed, pursued by legitimate and suspect companies from the past fourteen years forcing me into a bankruptcy. Early in 2015 I accessed Credit Karma's site to attain my credit score and assess my credit information, checking for errors, etc. Starting very shortly after, I started receiving collection notices from companies I had dealt with as far back as 12 years ago. None of these companies were even on any current credit reports. One is suing me and others are threatening to, so my only recourse has been to start bankruptcy proceedings. My credit hasn't been stellar since a divorce wiped me out, but many of these supposed debts are being falsified, saying they are over ten thousand dollars, but they say they will settle for a fraction of the "bill" amount. One company sent me a 1099 form for a supposed debt from 2004 which caused me to owe taxes because it then counted as income. There is no other triggering factor in my life that could have started this barrage, nor the timing of it, except signing into Credit Karma. There are other complaints on BBB site that state almost word for word the same thing that is happening to me. I don't know what loophole is being used, but it certainly does appear that they are selling or leaking information from people who are unlucky enough to have used their site to companies looking to profit from this information. Hopefully you can help me somehow, or at least warn others.

Desired Settlement: I don't even know how one can remedy the issues this has caused me. It remains to be seen what the financial cost will be, but it is costing $4000 just to file for bankruptcy. Who and what will get paid for the next five years could destroy me since I make just over the median income in my state not to be able to file a chapter 7. The stress on this single mom has been incredible and I'm sure the company will give some pat answers denying any culpability or wrongdoing. If you can help, please do.

Business Response: Initial Business Response /* (1000, 7, 2015/03/30) */ *******, As our Privacy Policy and Terms of Use make clear, we do not sell or rent any member's personal information to third parties. As we explain in our Privacy Policy, we may present you with opportunities for additional products or services that may require submitting information to unaffiliated third parties. In connection with these opportunities, we identify the relevant third party and in general, you will be taken to a third-party site to complete the transaction or asked to submit information to the third party through a form on our site. When you choose to provide information to an unaffiliated third party, we are not responsible for the privacy practices of such third parties. If at any time you no longer wish to receive e-mails from Credit Karma, you may use the "Unsubscribe" button at the bottom of any of our e-mails or adjust your communication preferences by logging into our site and visiting the "Communications and Monitoring" page. Please let me know if you have any other questions. Regards, ****** P. Member Support Manager

4/16/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Allowing others to access info illegally. I have contacted these people over 15 times about someone that has an account under my info that I did not do. I have sent them paperwork over and over again to get the account cleared shut off so I can start a real one. Needless to say, they refuse to do it. In the meantime, they are willingly sharing my identity with strangers.

Desired Settlement: I want them to do what I've been asking them to do. This is unjust as they are giving away information that is tied to my social and yet I can't even access it myself.

Business Response: Initial Business Response /* (1000, 7, 2015/03/30) */ ******* - We have requested that you re-send the documentation because the versions you have previously faxed are illegible. Until we receive a legible copy of your documentation, we will be unable to reactivate the account using your personal email address. I understand the frustration, but this is a necessary security step. The account has been deactivated and will remain that way until we receive the identifying documentation. You will be unable to create a new account using your personal information. Please let me know if you have further questions. Regards, ****** P.

4/13/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: would not give me a credit score I went to the web site to get a "free" credit score.After entering my info it gave me a message stating I a"fine line" score. So I have no score? I live in an apartment that I have resined in for 5 years. I also have cable/internet services that I pay and have paid for 5 years also.I know this all goes on my credit. About 13-14 years ago I voleentarly had to give my home back (********* I believe or something similar) Anyway why do I not have anything showing up? I am trying to buy a house but without a score to go by I am not going to get any such thing

Desired Settlement: I just want a free credit score/report without giving my bank infomation over the internet Thank You very much

Business Response: Initial Business Response /* (1000, 5, 2015/03/26) */ *******, I would love to help you out and take a look at your account to see what might be happening. Can you please visit this site (https://www.creditkarma.com/about/contact) and at the bottom of the page there is a dropdown "I need help with..." and choose "Registering my Credit Karma Account". Once you send us some of your information, we'll be able to review your account and follow up with you via email about the status of your account. Thanks for your patience. Regards, ****** P. Member Support Manager

4/6/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: Credit scores reported misrepresent actual scores from reporting agencies and are useless for purposes intended/expected Using their service I retrieved my "score" which website indicated came "straight" from reporting agency; it was lower than expected. I went directly to agency and got significantly higher score. I contacted Help asking for clarity and got unsatisfying answer. I challenged and asked for more clarity and got another unsatisfying answer. They indicated scores came from another source (inconsistent with website which I challenged). Since scores aren't from reporting agencies and since they indicated scores are based on different criteria than those typically expected 'for loan qualifications' by consumers, their advertised implied service is virtually useless. They create an expected benefit and fail to deliver.

Desired Settlement: Full disclosure of score source and full disclosure that usefulness of scores for purposes, such as loan qualification, expected by consumer is not guaranteed/implied. Full disclosure of criteria used to generate scores; should be corrected online and in advertisements. Such disclosures need to be presented just as obviously in advertisements as their 'get your score' claims not buried in unnoticeable corners/back pages/clauses. Consumers need to know how limited the usefulness of their "scores" truly are.

Business Response: Initial Business Response /* (1000, 5, 2015/03/26) */ *******, Our website is clear about the scores that we use and from where they are generated. When you first login to our site, you can see for yourself that directly to the right of your score, we state: "Calculated using the VantageScore 3.0 model, these scores range from 300 to 850. They're calculated by TransUnion and Equifax, respectively, so the scores may vary based on each credit report." Additionally, just above your score, you can see the logo of the bureau from which each score was generated (as of today, the score on the left of your home page is from TransUnion, and Equifax is on the right). We additionally list all of our disclosures at the bottom of each relevant page, but for the purposes outlined in your complaint, I will provide the most common disclosures on the Credit Karma website here: "Advertiser Disclosure: The offers that appear on this site are from third party advertisers from which Credit Karma receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). It is this compensation that enables Credit Karma to provide you with services like free access to your credit scores and free monitoring of your credit and financial accounts at no charge. Credit Karma strives to provide a wide array of offers for our members, but our offers do not represent all financial services companies or products. * The savings information shown above is calculated by CreditKarma.com. This calculation is based on your credit report and account profile combined with offer data and is provided for illustration purposes only. Reasonable efforts are made to maintain accurate information, however all offer information is presented without warranty. Your actual savings will depend on the terms and conditions of the offer which can be reviewed on the provider's website by clicking on the "Apply Now" or "Take Offer" button. These Approval Odds represent Credit Karma's estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to you." Please let me know if you have further questions. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (2000, 7, 2015/04/05) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept and understand that CreditKarma is presenting scores; but I still believe that the advertisements are intended to create the expectation that these scores are suitable and equivalent to what would have been returned by other sites. They know their site visitors wont have the nuanced understanding needed to differentiate the FICA and Vangard scores and yet make no reasonable attempt to rectify the misunderstandings. This is an intentional deception which CreditKarma is willing to foist on visitors while hiding behind the fine print. I accept that CreditKarma has no intention of correcting their advertising nor switching to report the scores their visitors expect. I find their practices to be offensive and will not utilize their services.

4/2/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I never signed up for site only do credit checks through the government site and I can not call company to ask why I have gotten a email. I never signed up for site and somehow I am now signed up to site that I never applied at.

Desired Settlement: To contact by voice and wonder how and why I got a email saying my credit was compromised. I have never signed up on this site I only do my credit checks through the federal site once a year.

Business Response: Initial Business Response /* (1000, 5, 2015/03/13) */ Lou - As our agent stated, it does appear that an account was created using your personal information. Since you stated that you did not create this account, we immediately deactivated the account. No one can access the account unless you submit documentation to verify your identity. If you would like further instructions on how to do this, please email us at *******@creditkarma.com and we can send you some additional instructions. Thanks for your patience, Elaine P. Member Support Manager

4/1/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: My credit score dropped over 40 points in less than a month. I have done nothing to cause this yet they have no explanation and/or have not responded. I monitor my credit score very close and have been doing so since my divorce about 5 years ago. During this time, I have been very diligent in paying everything on time, re-establishing my credit so I could buy a house this spring. On January 13th of this year, my credit score was 697. On FeBruary 15th, my score had dropped to 659. I contacted this company for an explanation because I have not applied for any new credit and have done everything right. No one has contacted me back. There is no explanation and no reason for this to happen. My understanding that when credit scores fall, they are gradual, not so severe. And I haven't done anything to cause this. In addition, I have worked really hard to improve my credit to I could qualify to buy a house and because of this one score, I no longer qualify. It is having a negative impact on my life. I am very stressed out. The company needs a way to contact them and they need to respond to reasonable requests.

Desired Settlement: I want someone from the company to contact me and explain why this happened. I believe it is an error on their part but no one will even contact me. Very discouraging when they have the fate of me being able to purchase a home for my family in their hands. I am a good person and a good citizen. I do not deserve to be treated like this.

Business Response: Initial Business Response /* (1000, 5, 2015/03/13) */ Hello ****, It looks like we responded to your support ticket on March 3, 2015, but I am happy to reiterate our response here: While Credit Karma used to display your TransUnion New Account score, we've recently upgraded our site to feature VantageScore 3.0 credit scores (provided separately by TransUnion and Equifax). When we started featuring VantageScore 3.0, many of our members saw a change in their scores on our site due to the transition. In reality, however, you have many different credit scores. Each scoring model has a slightly different formula for analyzing the many different factors of your credit report. VantageScore 3.0 incorporates a broader set of credit-related data and can score up to 30 million more people than other models. With so many different scoring models out there, you never know which score a bank will use, but VantageScore 3.0 is a strong predictor for what the banks may see. Although we no longer feature the TransUnion New Account score, you may still review your past TransUnion New Account scores here (https://www.creditkarma.com/myfinances/scores/transunion-archive). You can read more about VantageScore 3.0 here (https://www.creditkarma.com/article/VantageScore-3-0). Please let me know if you have more questions. Regards, ****** P. Member Support Manager

4/1/2015 Problems with Product/Service | Read Complaint Details
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Complaint: My email address has an open and active account that I did not open. I was going to try Credit Karma's services and found that some crminal already has.

Desired Settlement: I want the present account closed and for an investigation to be done on my behalf. Following a succesful outcome of this, I would like the opportunity to use their services to obtain my "free credit score" with a renewed sense of security.

Business Response: Initial Business Response /* (1000, 5, 2015/03/13) */ Hi *** - It looks like I'll need more information to assist you. Can you please email *******@creditkarma.com and provide us with your full first and last name and date of birth so I can verify your identity and I'll investigate further. Thanks for your patience, ****** P. Member Support Manager

4/1/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: This company keeps reporting my credit scores way lower than other websites. They should be shutdown for the inaccurate promises. This company keeps reporting my credit scores way lower than other websites. They should be shutdown for the inaccurate promises.

Desired Settlement: get this straight or else!!

Business Response: Initial Business Response /* (1000, 5, 2015/03/30) */ The credit scores you receive on Credit Karma come straight from TransUnion and Equifax, two of the three major national credit bureaus. It's not uncommon for scores to vary. Each consumer has dozens of different credit scores, though most people believe that each person just has one. Credit scores can vary for lots of reasons. First, each of the three credit bureaus can have slightly different credit report information for you. Secondly, the credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. Third, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. Comparing several credit scores will always be different, since all the models are inherently different. Tracking one credit score over time, shows you the ups and downs in your score that could signal a significant change in your credit health. You can also read more about credit score differences here: https://www.creditkarma.com/article/differentscores Regards, ****** P. Initial Consumer Rebuttal /* (2000, 7, 2015/04/01) */ (The consumer indicated he/she ACCEPTED the response from the business.)

3/31/2015 Problems with Product/Service | Read Complaint Details
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Complaint: emailed 5 times and never responded to it and also asked politely for help and never got it Yes I have emailed them to get help on my user id and also password *** they have not responded to my emails and also would not help me on user id or password ** help me log in to their website so since they would not respond to any of my emails I would let you try to get their attention to help me on it!!!!!!!!!!!!!!!!!!!!

Desired Settlement: just have their attention to help me on logging in their website

Business Response: Initial Business Response /* (1000, 5, 2015/03/11) */ *******, It appears that we have responded to your support ticket directly. We have provided you with instructions to update the information on your account so you can access it. Please let me know if you have further questions. ****** P. Initial Consumer Rebuttal /* (3000, 7, 2015/03/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have not received anything from them except to redo the password **** is it and then after I did that they would not let me log in and says that I did not have a account with them at all!!!!!!!!!!!!! Final Business Response /* (4000, 9, 2015/03/26) */ *******, Here are the most recent instructions sent to you on how to generate a new account: If you don't have access to your original Credit Karma account and can't receive a temporary password *** email (at the email currently listed on your account), you can either create a brand new account to replace your current one or I can update the email address on your current account for you. Option 1: Create a New Account If you'd like to make a brand new account, please keep in mind that you will lose your entire Credit Karma score history. To replace your current account, please initiate the replacement process by entering the requested information, including the email address associated with your active account (**************@live.com) here: https://www.creditkarma.com/contact-us/noaccess Please enter your original email address even if you no longer have access to it. You will not need to receive anything to this email address in order to replace your account. Option 2:: Update via mail If you'd like me to update your email address for you, please note that I can't change your email address without additional information for verification purposes. It's a necessary procedure to ensure our commitment to user security. If you'd like to continue, please follow the steps below: Draft a letter including the following information so we can match your documentation to your account: a. Your full name (please include any previous last names) b. Your date of birth c. The email address associated with your current Credit Karma account and the *new* email address you would like on your account. Since we commonly have problems reaching users with MSN, Hotmail, Outlook, and Comcast addresses, we recommend you avoid these providers when selecting your new email address. Provide a copy of your personal identification. NOTE: DO NOT SEND ORIGINAL (ONLY PHOTOCOPIES) OR EXPIRED DOCUMENTATION - WE WILL NOT ACCEPT THEM. Drivers License or State ID Passport Green Card /Temporary Resident Card Birth Certificate Mail your letter and documentation to the following address via postal mail: Credit Karma, Inc. Attn: Member Support P.O. Box 520 San Francisco, CA XXXXX-XXXX Once I receive these documents, I can reset your password *** you and send a new temporary password ** the email address associated with your active account. If you have any other questions, please let me know. ****** P. Final Consumer Response /* (2000, 11, 2015/03/30) */ (The consumer indicated he/she ACCEPTED the response from the business.)

3/30/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Someone fraudu Someone fraudulently posed as me and created a Credit Karma account in my name. Being unfamiliar with Credit Karma, I’m assuming the perpetrator has gained access to my credit report, among other things. When I contacted Credit Karma about this, they “suspended” the account. I want the account closed permanently and they will not do that. The only information they would provide to me was the email address used to create the account: ******************@gmail.com. That is an email used by my ex-wife, ******* ***** Allday. When I asked for the date in which the account was created and what the perpetrator has access to under my name, I was told (via email) that is “against Credit Karma’s privacy policies” and that “law enforcement needs to contact them (via email) for that information. How am I going to get a police officer or federal investigator to email them? I have filed a complaint with the Federal Trade Commission and am going to file a police report but the FTC and the police want to know the date in which the account was created. I have asked Credit Karma for a number so, I may speak to someone about my concerns and find out the date the fraudulent account was created as well as what the perpetrator has access to and how to close that account and was told (via email) that they do not give out phone numbers, that they handle all complaints via email. I was given no information on how to close the account, what access the perpetrator had to my information nor the date the account was created so, I may proceed with prosecution. This is unacceptable. I am full time, active duty Army. When I realized my identity had been stolen, I asked my wife, **** ******, to check Credit Karma to see if an account had been fraudulently created in her name and it had. She has been impacted by this as well. We would like some resolution. My wife will be completing a complaint to you as well. We would like: 1. The date the fraudulent account was created 2. What information or services the perpetrator has/had access to 3. The accounts closed

Desired Settlement: We would like: 1. The date the fraudulent account was created 2. What information or services the perpetrator has/had access to 3. The accounts closed 4. Credit Karma's practices scrutinized. Apparently, it is too easy to create an account.

Business Response: Initial Business Response /* (1000, 5, 2015/03/11) */ ******* - This account was created March 2013. Pursuant to our Privacy Policy (https://www.creditkarma.com/about/privacy) we do require that a government agency provide us with an official request for information on the account. Please feel free to file a police report and have the investigating officer reach out to us at *******@creditkarma.com and we will happily cooperate with the investigation. Thanks for your patience. ****** P.

3/24/2015 Delivery Issues | Read Complaint Details
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Complaint: I tried to get my credit report, and was told that my e-mail or password **** incorrect. I retyped my e-mail, and put a new password ** (like credit karma said I could do), and was told that was incorrect also. I texted them a message asking what the problem was, and they have not got in touch with me concerning that. It looks they are blocking me from getting a look at my credit score. That is a violation of law. I do not recommend any one using that website. Product_Or_Service: CREDIT REPORT

Desired Settlement: DesiredSettlementID: Other (requires explanation) I WANT THEM TO STOP BLOCKING ME FROM SEEING MY CREDIT REPORT BY SAYING THAT MY E-MAIL OR PASSWORD *** INCORRECT WHEN THEY ARE NOT!

Business Response: Initial Business Response /* (1000, 5, 2015/03/11) */ *****, We have provided you with the instructions to reset your password ** our support ticket response. Please follow those instructions or visit https://www.creditkarma.com/auth/resetpw to reset your password. Thanks for your patience. ****** P. Initial Consumer Rebuttal /* (3000, 8, 2015/03/17) */ 3-16-15 Sent via email: When it comes to Credit Karma, what I would like is for them to stop sending me messages. After what I read about them on the BBB website I saw that other people were having the same problem, not able to check their credit because it was being blocked, so all that I would like is for them to leave me alone. When I check my credit again, I will go to a different location. Final Consumer Response /* (2000, 10, 2015/03/24) */ 3-23-15 Sent via email from consumer: **********@messaging.sprintpcs.com You can close the case. My name is ***** *******, and my case# is XXXXXXXX.

3/18/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: My identity was compromised and shared with another user. I need my privacy protected while using this business. My very personal/private information was showing up on another user, my sister's account. We have similar names but that should be no excuse. Her account showed my social security, address, how much credit I have open and other things that I need to be kept private, even from family members. I contacted Credit Karma and they emailed me back saying that they cannot look into my sister's account until she contacts them. I think that this is a violation of my privacy because if this had shown up on a stranger's account or if by chance I do not trust my sister, I have to depend on them to not use my identity. I placed fraud alerts on my name through Equifax/Transunion but I still feel compromised. I have the email that was sent in response if someone needs proof of response about not taking my identity off of someone else's account. Please remove my information as soon as possible.

Desired Settlement: My information needs to be kept private. I need my name, social, address taken off my sister's account. I also need to ensure that it will not show up on anyone else's account.

Business Response: Initial Business Response /* (1000, 5, 2015/02/27) */ ********, It appears we have responded to your support ticket from February 12th, 2015. In order to maintain privacy, I recommend that you respond to us directly at *******@creditkarma.com. We can assist you with walking through some of the information on your account, and provide you with the contact information of the credit bureaus there, if needed. Thanks for your patience. ****** P. Initial Consumer Rebuttal /* (3000, 7, 2015/03/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) ******, I have already contacted the credit Bureaus. The issue is my Name and address is showing up on someone elses account. I checked with transuinon and equifax,both have my correct information. It is credit karma putting my information on my sister's account. I Have already tried emailing the email you provided but they told me there is nothing That can be done, that my sister has to contact them. That does not solve the problem of having my information on someone else's page. This does not have to do with the credit bureaus but rather a mix up of identity information being provided on the home page to one of your clients. I still need this fixed. I have the email from Credit karma if you need Reference that I Have already reached out. Please resolve this problem. Final Business Response /* (4000, 9, 2015/03/11) */ ********, All of the information you see on Credit Karma comes directly from the credit bureaus. We are unable to make changes to the reports. In order for your sister to fix the information reported on her Equifax report, she will need to dispute the information on the report directly with Equifax. She can do that here: ********************************************************** Please let me know if you have further questions. ****** P. Final Consumer Response /* (2000, 11, 2015/03/17) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you for clearing everything up ******. I will contact Equifax and try to get everything squared away. I apologize for my mistake in assuming that Credit Karma was providing that information to other users.

3/17/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been unable to contact someone with Credit Karma to handle a dispute regarding my credit score. I have been working with Transunion, Equifax and Experian to clear up wrong information listed on my credit reports and several items have been deleated from my reports and yet credit Karma shows my credit score to being lower when indeed it should be going higher. I cannot reach anyone at Credit Karma to discuss this issue and have it repaired. My business is suffering as a result. I eed the correct credit scores to be applied to my report if it is to remain "Public Information"

Desired Settlement: Change my credit score to reflect the changes on my credit reports.

Business Response: Initial Business Response /* (1000, 5, 2015/02/27) */ *******, If you are referring to recent changes to your credit score, while Credit Karma used to display your TransUnion New Account score, we've recently upgraded our site to feature VantageScore 3.0 credit scores (provided separately by TransUnion and Equifax). When we started featuring VantageScore 3.0, many of our members saw a change in their scores on our site due to the transition. In reality, however, you have many different credit scores. Each scoring model has a slightly different formula for analyzing the many different factors of your credit report. VantageScore 3.0 incorporates a broader set of credit-related data and can score up to 30 million more people than other models. With so many different scoring models out there, you never know which score a bank will use, but VantageScore 3.0 is a strong predictor for what the banks may see. Although we no longer feature the TransUnion New Account score, you may still review your past TransUnion New Account scores here. (https://www.***********.com/myfinances/scores/transunion-archive) Please email *******@***********.com if you have further questions. Thanks for your patience. ****** P.

3/17/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Cannot access my account I am not receiving the email to reset my password and they are asking for me to send in copies of my personal identification in which I am not comfortable with.

Desired Settlement: I would like reset my password without sending in my personal identification because I can provide all of the security question and answers but its not giving me that option.

Business Response: Initial Business Response /* (1000, 5, 2015/02/27) */ Hi ********, Please email us at *******@creditkarma.com so we can provide you with the appropriate instructions to reset your password. Please provide your full name and date of birth so we can accurately identify your account and we'll be happy to assist you. Regards, ****** P.

3/17/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Unauthorized account I have tried using the free credit reporting by CreditKarma.com. When I try to enter my personal information, the site says that I already have an account set up based upon my SSN and ***. I have not set up an account before and believe that someone may be using my information fraudulently.

Desired Settlement: I would like CreditKarma to please close the two accounts in question, as I believe that they are both fraudulent. I have tried a number of times to contact the company and have yet to receive a response.

Business Response: Initial Business Response /* (1000, 5, 2015/02/27) */ *****, A member can only have one active account at a time on Credit Karma. As per the support ticket you sent and we responded to, we have deactivated the account with the email address we mentioned. Please let me know if you have additional questions by emailing *******@creditkarma.com. Regards, ****** P.

3/12/2015 Problems with Product/Service | Read Complaint Details
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Complaint: cannot re-register for service i have emailed credit karma customer service multiple times about wanting to re-register. i understand i deactivated my account and i had to wait 6 months. the last time i contacted support, i was told i could re-register today, 3/1/2015 but upon trying, i cannot. i was also told 2 previous dates i could sign up also. so it seems like every time i contact credit karma's second rate support, the dates always change.

Desired Settlement: allow me to re-register

Business Response: Initial Business Response /* (1000, 5, 2015/03/09) */ Hello ******, It looks like you were able to re-register. Please let me know if you have any additional questions for us. Thanks for your patience. ****** P. Member Support Manager Initial Consumer Rebuttal /* (2000, 7, 2015/03/12) */ (The consumer indicated he/she ACCEPTED the response from the business.)

3/11/2015 Delivery Issues | Read Complaint Details
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Complaint: They sold all my information to third parties which was not agreed upon in my agreement. After signing up for my free credit score I recieved a suspicious call from a supposed credit collector that I have been able to trace back to credit karma. My infomation was sold to these people and they are pposing as my student loan collectors fms services. I will also be reporting this scam to the federal goverment as it is involvong federal subsidized student loans.

Desired Settlement: I would like all of my information removed from thier system as well as the names of the companies my information was sold to so that this scam can be addressed. They also need to update thier acknowledgment portion of aign up to include that they do in fact sell your personal information in return for thier services provided.

Business Response: Initial Business Response /* (1000, 7, 2015/02/20) */ ***, As our Privacy Policy and Terms of Use make clear, we do not sell or rent any member's personal information to third parties. As we explain in our Privacy Policy, we may present you with opportunities for additional products or services that may require submitting information to unaffiliated third parties. In connection with these opportunities, we identify the relevant third party and in general, you will be taken to a third-party site to complete the transaction or asked to submit information to the third party through a form on our site. When you choose to provide information to an unaffiliated third party, we are not responsible for the privacy practices of such third parties. I have cancelled your account with this request. Please feel free to email us at *******@creditkarma.com if you have further questions. ****** P.

3/11/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: My company is being slandered on The Credit karma blog site under "Has anyone ever heard of credit enhancement bureau My company is being slandered on The Credit karma blog site under "Has anyone ever heard of credit enhancement bureau" This is the work of a disgruntled employee who has left numerous nasty comments in regards to the company I will file a lawsuit if this negative information is not completely removed,Credit Karma is allowing the slander of my company to be degraded as not a legitimate company which we have practiced in the industry for 17 years & this has been very detrimental to my company & our everyday operations. I would expect Credit Karma to remove all negative information pertaining to my company especially when this information is 100% inaccurate, not able to be verified, & detrimental to my business & our every-day operations.

Desired Settlement: . I would expect Credit Karma to remove all negative information pertaining to my company especially when this information is 100% inaccurate, not able to be verified, & detrimental to my business & our every-day operations. I would expect this negative deragtory information to be removed Immediately.

Business Response: Initial Business Response /* (1000, 5, 2015/02/23) */ ********, I'm sorry for the frustration. Credit Karma does not endorse, represent, or guarantee the completeness, accuracy, reliability or usefulness of any User Content (as defined in our Terms of Use: https://www.***********.com/about/terms). We require users of our Services to comply with our User Content Rules https://www.***********.com/about/rules and we may (but have no obligation to) review, delete or remove User Content in order to enforce our User Content Rules. If you believe information posted by a Credit Karma user is false or otherwise violates our User Content Rules, you should feel free to flag that information for further review using the flag buttons on our site; however, we cannot remove "all negative information" from our site. You may also e-mail us at *******@***********.com. Regards, ****** P. Member Support Manager

3/9/2015 Problems with Product/Service | Read Complaint Details
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Complaint: My credit information is incorrect I logged into my account with credit karma and immediately noticed that it says I have not established any credit. I have bought 5 cars, I'm a homeowner and have a few credit cards. I have tried to contact credit karma to get this resolved directly with them but have not received a response. The email associated with the account is ***************@yahoo.com Please let me know if you need anything I can be reached at *******-**** or ************

Desired Settlement: I want to be able to use the app to view my correct credit score. Please let me know what you need from me. I can be reached at XXX-XXX-XXXX or XXX-XXX-XXXX

Business Response: Initial Business Response /* (1000, 5, 2015/02/10) */ *******, I understand that you're not able to retrieve a score at this time. It's not unusual for people who have previously retrieved a score, from our site or any other site, to have their report return a "thin file". You may not have enough open and active credit accounts at this time to calculate a score. However, that doesn't mean that we won't be able to retrieve a score for you in the future. Feel free to check back as often as you'd like to see if we've received a score for you. Please let me know if you have any other questions. ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2015/02/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) Response to Credit Karma 2/11/14 I have read your response and came to the conclusion that you did not read my complaint correctly. Although you do address the fact that your company thinks I have not established credit that is incorrect. My wife and I buy everything together all of our accounts are joint and she is receiving a credit score using your app. That being said I should be able to see mine as well. I know for a fact I have enough credit lines open to get a score so please take your time and research this matter so I can get the best customer service. Your first response is not considered a valid response because you did not try to help me you gave me the general spill. You mentioned "thin file" please elaborate on this. In conclusion please explain to me what steps I need to take in order for this issue to be resolved I have enough credit lines open to receive a score. I am willing to be patient and work with you so please take your time to research this and let me know that you have read this thoroughly by responding appropriately unlike your first response which was unhelpful to say the least. Final Business Response /* (4000, 9, 2015/02/20) */ *******, I'd be happy to further research your concerns if you would provide your full name and date of birth to *******@creditkarma.com. It is possible there is another error going on, but I cannot research without additional information. Please send us an email referencing this BBB complaint (#XXXXXXXX) and I'll happily respond there. Thanks for your patience. Regards, ****** P. Final Consumer Response /* (2000, 17, 2015/03/09) */ this complaint has been resolved to my complete satisfaction. Thank you

3/2/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I got an email today from Credit Karma welcoming "******" to the service. My name is not ****** and I've never even heard of this company. I got an email today from Credit Karma welcoming "******" to the service. My name is not ****** and I've never even heard of this company. There is no phone number or way of contacting this company to complain that someone is using my information, and potentially has access to my credit card information.

Desired Settlement: I want to know how they got my email information and if someone is using my name or information for credit purposes.

Business Response: Initial Business Response /* (1000, 5, 2014/12/05) */ It's possible that someone may have accidentally used your email address to register for Credit Karma. If you would please let me know the email address at which you received this message, I can remove your email address from our database. If you'd like me to investigate further to ensure that the account in question is not associated with your personal information, please reply with your full name and date of birth. I apologize for any confusion and thank you for your patience. ****** P. Initial Consumer Rebuttal /* (4200, 15, 2015/03/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) This could potentially be compromising my credit and there is absolutely no way to contact a representative by phone. This has been an issue for months now, its not an efficient way to run a business, by keeping concerned parties waiting to see if someone is violating their identity. Now they are requesting more information from me.

2/27/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Credit Karma is performing updates with absolutely no warning to it's customers resulting in horrible credit ratings. January 23, 2015. Credit Karma is trasitioning and updating people's credit information without any type of warning or permission from the public. The updates to their website is resulting in drastic drops in not only my own, but everybody's credit scores. My score dropped 34 points over night. My wifes score, who happens to be a banker, has dropped over 100 points from yesterday to today. Her credit rating has went from Excellent to Poor. What gives Credit Karma the right to interfere with people's lives whenever they feel like it? That is a violation of my rights and anyone else's. Not to mention we're in the middle of a home mortgage loan. Credit Karma has absolutely no right to put my fate or anyone else's fate in there hands because they feel it's time to make a change. Fine, update your website, but without ruining my credit score. I feel like Credit Karma has been lying to me for the past year or longer. My utilization is very low including my wife's with not one derogatory mark on either name, including 20 accounts in my loan history alone. This is completely unacceptable.You're hurting thousands of good people's lives.

Desired Settlement: Fix what you have broken or other legal action will take place.

Business Response: Initial Business Response /* (1000, 5, 2015/02/02) */ *****, While Credit Karma used to display your TransUnion New Account score, we've recently upgraded our site to feature VantageScore 3.0 credit scores (provided separately by TransUnion and Equifax). When we started featuring VantageScore 3.0, many of our members saw a change in their scores on our site due to the transition. In reality, however, you have many different credit scores. Each scoring model has a slightly different formula for analyzing the many different factors of your credit report. VantageScore 3.0 incorporates a broader set of credit-related data and can score up to 30 million more people than other models. With so many different scoring models out there, you never know which score a bank will use, but VantageScore 3.0 is a strong predictor for what the banks may see. Although we no longer feature the TransUnion New Account score, you may still review your past TransUnion New Account scores here: https://www.creditkarma.com/myfinances/scores/transunion-archive You can read more about VantageScore 3.0 here: https://www.creditkarma.com/article/VantageScore-3-0 Regards, ****** P. Initial Consumer Rebuttal /* (3000, 7, 2015/02/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) Although I understand that Credit Karma is a free service to the public, it is advertising to provide a service in which we the people give our most personal requested information and depend on Credit Karma to provide the most accurate credit scoring model possible to make every day life and financial decisions. I trusted Credit Karma to help me make big financial decisions in the past year or so up until 2 weeks ago. So my question to you is, how can you take not only mine, but every credit score from every single customer of yours, cut 100 points or more off of the top of it without explanation, warning, resent inquiries,no delinquencies in 20 or more accounts, or change in any type of loan status except an on time payment stream within a year or longer and justify or honestly tell me that it is what any bank might see? That is the most ridiculous thing I've ever heard of and not to mention the most inaccurate scoring system that I've ever seen in my life. Going off of just the negative reviews and comments alone on your website, you're going to lose not only myself as a customer, but probably half, if not more of your clients that you have now. There is nothing truthful in your new scoring model, so therefore your entire scoring system is not only a complete lie, but an insult to anyone who continues to use it. Final Business Response /* (4000, 9, 2015/02/10) */ *****, The credit scores you receive on Credit Karma come straight from TransUnion and Equifax, two of the three major national credit bureaus. It's not uncommon for scores to vary, and there is no 'one most accurate score'. Each consumer has dozens of different credit scores, though most people believe that each person just has one. Credit scores can vary for lots of reasons. First, each of the three credit bureaus can have slightly different credit report information for you. Secondly, the credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. Third, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. Comparing several credit scores will always be different, since all the models are inherently different. Tracking one credit score over time, shows you the ups and downs in your score that could signal a significant change in your credit health. If you have more questions, please feel free to let me know. Regards, ****** P. Member Support Manager Final Consumer Response /* (4200, 11, 2015/02/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) Thank you for giving me information that I already know. You didn't answer once single question that I had asked you in my response before this one. My actual TransUnion score is higher than the TransUnion score you're displaying on your website. How can they be different if they're from the same exact credit bureau? My wife's actual TransUnion score is 105 points higher than what you're displaying for her TransUnion score on your website. On top of the on going problem that we're all having with you right now, Credit Karma is displaying a credit card on my report with a limit of $13,000 along with my current open credit card accounts. As nice as it looks and sounds to have that amount of open credit, it's from an account that I closed 2 years ago. I personally contacted TransUnion to have that account removed from my credit report which they did and now it's appearing again. My credit card utilization was great before, but now it's excellent. Why would I be complaining about this???? Because it is FALSE! Can I please have somebody who can give me answers relating to my questions? Thanks, *****

2/24/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Creidt Karma shows information reported by Transunion,that transunion told them was wrong credit Karma was notified by Transunion that information they have is wrong to fix it they have not, Then credit Karma said they show information I started a new job in 2014 well I have been on SSI for over 3 years so they are falsifying credit reports against Federal law then Transunion sent letters to Credit Karma and I sent letters showing they were wrong on my report. and credit karma has not updates my information since 2012 and they list March 1st 2014, Transunion has not updated them since 2011 because they have not sent a report and credit karma has not asked for an update since then.

Desired Settlement: By law they are required to settle with the sum of loss of assets, or turned down credit amount I was turned down for a $5000 dollar down house I lost because of them. I want and need my money back they costed me. So I don't file Federal charges on the violation of my 1977 fair credit act of false untrue reporting.

Business Response: Initial Business Response /* (1000, 5, 2015/01/20) */ *****, As stated in our previous correspondence, you will continue to see your March 2014 credit score and report as TransUnion has indicated that you currently have a "thin file". This generally means that there is not enough information on file with TransUnion to accurately build a new credit score for you. You will not be able to update to your current report on Credit Karma at this time. A "thin file" may occur if you have recently applied for credit for the first time or if you have too few open credit lines to generate a credit score. You may not have enough open and active credit accounts to calculate a score at this time. However, that doesn't mean that we won't be able to retrieve a score for you in the future. Feel free to check back as often as you'd like to see if we've received a new score for you. We are unable to force an update of your Credit Karma account, but if you would like to view your current credit reports, you can visit www.AnnualCreditReport.com to review your current TransUnion, Experian and Equifax credit reports for free, once annually. Regards, ****** P. Initial Consumer Rebuttal /* (3000, 7, 2015/01/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) If there is not enough report thats fine but by law of 1977 fair credit act, old stuff cant be on there and the stuff that is removed from Transunion that was removed has to be taken off the credit Karma, I talked to Transunion they said they sent a report to you on January 15th but what they show me that they sent you and what credit Karma shows they are different next step is to turn it over to the Attorney Generals for prosecution if this problem is not fixed in a timely manner I will prosecute to the fullest of the law. Final Business Response /* (4000, 13, 2015/02/09) */ The credit report you are viewing is accurate as of the date it shows. We are not a credit bureau and cannot update your report because you currently have a thin file with the credit bureaus, meaning that you do not currently have enough current credit information to generate a score. Please contact the bureaus directly regarding any discrepancies on your current report. Equifax: 800-685-1111 (general) or 800-525-6285 (fraud); P.O. Box XXXXXX, Atlanta, GA XXXXX; www.equifax.com Experian: 888-397-3742 (general and fraud); PO Box 2002, Allen, TX XXXXX, www.experian.com TransUnion: 800-888-4213 (general) or 800-680-7289 (fraud); P.O. Box 2000, Chester, PA XXXXX; www.transunion.com Final Consumer Response /* (4200, 15, 2015/02/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) I contacted them they gave you nothing they have nothing on the report they have not sent you anything till December 2014 I have a credit score of 605 you show less you are violating the fair credit reporting act of 1977 and you have stuff on your report that has been taken off and stuff that should not be there the credit reporting agencies told you to fix it and you have not please fix or I will not stop the Office of inspector Generals charges. And you cost use a car and a rental because of your reporting so the settlement of the sum of $6845.00 will be sent to me or the charges I will receive more. and fix

2/19/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: 24 hours ago my credit score was at 543 I then go into the same application I've used daily and my score was well below that. It was 470. They combined two credit agencies information that shows my credit score was almost one hundred points lower than what showed not 24 hours ago I got a credit card based on their suggestions paid a delinquent bill and none of this information updates. It's been a month and four days since I paid the bill from a cable company and it has yet to be updated as well.

Desired Settlement: I would like the information to be updated properly

Business Response: Initial Business Response /* (1000, 5, 2015/02/02) */ *******, While Credit Karma used to display your TransUnion New Account score, we've recently upgraded our site to feature VantageScore 3.0 credit scores (provided separately by TransUnion and Equifax). When we started featuring VantageScore 3.0, many of our members saw a change in their scores on our site due to the transition. In reality, however, you have many different credit scores. Each scoring model has a slightly different formula for analyzing the many different factors of your credit report. VantageScore 3.0 incorporates a broader set of credit-related data and can score up to 30 million more people than other models. With so many different scoring models out there, you never know which score a bank will use, but VantageScore 3.0 is a strong predictor for what the banks may see. Although we no longer feature the TransUnion New Account score, you may still review your past TransUnion New Account scores here. (https://www.creditkarma.com/myfinances/scores/transunion-archive) You can read more about VantageScore 3.0 here. (https://www.creditkarma.com/article/VantageScore-3-0) Regards, ****** P.

2/16/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Cannot log on. Locked out. CreditKarma.com redirects to a beta version that I did not sign in to. Nor do I wish to. They have absolutely zero people skills. No phone. No email responses. No nothing.

Desired Settlement: Cancel my account.

Business Response: Initial Business Response /* (4000, 6, 2015/02/02) */ *****, It appears you self-deactivated your account on January 23, 2014. We have not received any support requests from you. Once your membership has been canceled, we cannot allow you to establish a new Credit Karma account for six months. You can re-join again in July 2015 by going here: https://www.creditkarma.com/signup All of the credit report information on Credit Karma comes straight from TransUnion and Equifax, two of the three major credit bureaus. We're not a credit bureau, so we don't have the ability to make changes to your credit report. If you wish to dispute items on your report, you will have to do so directly with the bureaus. Please let me know if you have additional questions. Regards, ****** P.

2/16/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Credit Karma uses the offer of checking your credit score for free as an opportunity to sell or give your contact info to spammers. Credit Karma offers customers the chance to check their credit score free of charge. When I signed up, I immediately started getting emails from credit lenders, upwards of 30 emails the first day. I was able to unsubscribe to some of them, but at least a third didn't allow you to actually unsubscribe. Since then I've received 5-7 additional emails each day since.

Desired Settlement: I want the business to stop selling/giving out my information, and to reach out to every company that they've given my info out to and have it taken off of their lists.

Business Response: Initial Business Response /* (1000, 7, 2015/01/26) */ ****, As our Privacy Policy and Terms of Use make clear, we do not sell or rent any member's personal information to third parties. As we explain in our Privacy Policy, we may present you with opportunities for additional products or services that may require submitting information to unaffiliated third parties. In connection with these opportunities, we identify the relevant third party and in general, you will be taken to a third-party site to complete the transaction or asked to submit information to the third party through a form on our site. When you choose to provide information to an unaffiliated third party, we are not responsible for the privacy practices of such third parties. If at any time you no longer wish to receive e-mails from Credit Karma, you may use the "Unsubscribe" button at the bottom of any of our e-mails or adjust your communication preferences by logging into our site and visiting the "Communications and Monitoring" page. Regards, ****** P. Initial Consumer Rebuttal /* (3000, 9, 2015/01/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) The only people I gave my information to was Credit Karma, and very shortly after signing up I started receiving spam messages from lenders referring to my recent transaction with you. SO either your company has been hacked and hundreds of spammers are accessing your information, or you are handing it out to said spammers, whether for free or not. Final Business Response /* (4000, 11, 2015/01/30) */ ****, As our Privacy Policy and Terms of Use make clear, we do not sell or rent any member's personal information to third parties. As we explain in our Privacy Policy, we may present you with opportunities for additional products or services that may require submitting information to unaffiliated third parties. In connection with these opportunities, we identify the relevant third party and in general, you will be taken to a third-party site to complete the transaction or asked to submit information to the third party through a form on our site. When you choose to provide information to an unaffiliated third party, we are not responsible for the privacy practices of such third parties. If at any time you no longer wish to receive e-mails from Credit Karma, you may use the "Unsubscribe" button at the bottom of any of our e-mails or adjust your communication preferences by logging into our site and visiting the "Communications and Monitoring" page. Regards, ****** P.

2/13/2015 Problems with Product/Service | Read Complaint Details
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Complaint: My credit was looked at through Credit Karma by someone who stole my social security number on December 15, 2014. Need to talk with fraud dept. I found out through Transunion Credit Bureau that someone fraudulently did a credit look up on me using my social security number (which they stole) without my consent with Credit Karma. This occurred on December 15, 2014. I want to alert Credit Karma of this so that my social security number can be flagged so this can never happen again.

Desired Settlement: I want Credit Karma to help put a stop to someone fraudulently using my social security number to look up my credit and personal information. I want to talk to someone in the Fraud Department.

Business Response: Initial Business Response /* (1000, 5, 2015/02/10) */ Hello *********, Please contact us directly at *******@creditkarma.com as soon as possible, including your name and date of birth. Without this information, we will not be able to verify that the account in question matches your personal information. Thanks for your patience. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (2000, 7, 2015/02/12) */ (The consumer indicated he/she ACCEPTED the response from the business.) I will contact Credit Karma at the email address provided to further resolve my problem. Thank you for helping me get the email address I needed.

2/2/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Credit Karma failed to keep my credit information current. The report has not been updated since June of 2014 despite several e-mails that I have sent I have had Credit Karma account (user name: *************@yahoo.com) for about 2 years, however, in May of 2014 I started cleaning up my credit and resolving certain disputes. My credit reports through the three major Credit Bureaus have been properly updated reflecting the changes, but Credit Karma has not been updated since June of 2014. I have sent 3 formal e-mails requesting that the information gets corrected and never received a response. Whenever I click "update" button, nothing is changing. The information provided by Credit Karma does not match with neither official credit reports. Please help me resolve this issue so that my credit score through Credit Karma reflects true information and is properly updated. Thank you!

Desired Settlement: I accept to have a current credit score on my account after this dispute.

Business Response: Initial Business Response /* (1000, 5, 2015/01/13) */ **** - I understand you're experiencing some difficulty updating your free credit score. It looks like TransUnion has indicated that you have a "thin file". This generally means that there is not enough information on file with TransUnion to accurately build a credit score for you. A "thin file" may occur if you have recently applied for credit for the first time or if you have too few open credit lines to generate a credit score. You may not have enough open and active credit accounts to calculate a score at this time. However, that doesn't mean that we won't be able to retrieve a score for you in the future. Feel free to check back as often as you'd like to see if we've received a new score for you. If you still have questions, let me know and I'd be happy to answer them. ****** P.

2/2/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: False account used to pull my credit report Credit Karma allowed someone to create an account in my name and then pulled a copy of my credit report from TransUnion. They then used my personal information to turn on electricity at their residence. When I pulled my credit to check for activity TransUnion showed that someone using my former name requested a report through credit Karma on 12/20/14.

Desired Settlement: I want all the information provided by the person who set up the account so that I can prosecute them to the fullest.

Business Response: Initial Business Response /* (1000, 5, 2015/01/13) */ *******, I do not see an account using the personal information you have provided here. In order for us to find the account and deactivate it, you will need to contact us directly and provide us the name and date of birth under which the account was created so we can identify and deactivate the account. Please email us at *******@creditkarma.com. Regards, ****** P.

2/2/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: I have no credit cards but shows a late payment with one it also shows low rating with car insurance and I pay on time and my company doesn't report. I have no credit card with Capital One Bank and it shows I've missed a payment. It also has me for low rating with auto insurance and my payments are up to date. I spoke with my insurance company months ago and they stated they don't report to credit bureaus. The information is inaccurate and has pulled down my credit score. I've also contacted Credit Karma months ago via email and they never responded. This company pulls down your score with the help of Transunion in hopes of getting people to sign up for credit cards and loans. It's fraudulent! It was sickening to look at my credit score and see false information. I've recently purchased a new vehicle which required a loan and yet, I have this rating along with untrue payment history. This company did not respond months ago and it's just wrong that they throw whatever scores out there and don't have the decency to correct issues when you address them. I want this stuff removed from my credit report. I don't understand how my credit score stays in the 500 mark and has been that way before, I've ever received credit as a young adult. It's sickening, as, I struggle to pay off bills and look at this site and not receiving any help with removing things that shouldn't be there. I'm going to expose this site for what it truly is. Knowing that Transunion is affiliated with it is disturbing. It seems that it's an attempt to take money from the people that are struggling with the use of false information. Please take this stuff off of my credit report. If, I owe something that's fine, but don't add on things that are false along with bad scores.

Desired Settlement: I'm asking for this company to take off false information about me. It's sad that companies try to monopolize off of the struggling, hoping they will sign up for a secured credit card at their own cost with high interest rates, or offer loans with high interest rates. I'm asking for this company to respond to my complaint as I've made it months ago when I noticed reports on my record that shouldn't be there. I ask of this company to stop with making people that are struggling to only find a way by signing up for loans and credit cards, due to your false reporting. It's just wrong! Give people the score they're entitled and stop making false reports to bring ones credit score down. If, one struggles why would it be feasible for one to subject self to loans and credit cards. I've been paying on my student loan and it may take time to show up, but again stop listing false reports. Transunion should be a shame if they represent this company. All you see is adds on getting this card or that. It's all about money and screwing one over.

Business Response: Initial Business Response /* (1000, 5, 2015/01/13) */ ********, It looks like we responded directly to your issue. You are listed as an authorized user on the account in question. If you are listed as an authorized user on someone else's account, these accounts will appear on your credit report. Credit bureaus treat these cards as if they were your own. To be removed as an authorized user, you must contact the creditor directly. Once they have removed you as an authorized user, you should see your credit report update within 30 days. Please let me know if you have additional questions. Regards, ****** P.

2/2/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Illegal pull of my credit file. I tried to sign into Credit Karma for the first time last week. I was told I already have a credit karma account with the email of S**********@gmail.com I don't have a gmail email. My credit has been pulled illegally on three separate occasions. I want to know what email address was used to get my credit files with Credit Karma when that person set up an account to pull my credit. The one pulled in September was done with the address of *** **** ****** Dr, ** ******* ** XXXXX I haven't lived at the property for over two years.

Desired Settlement: I want to know what email address was used on these three credit inquires done on my account. I have placed a fraud alert on my three credit bureaus once I saw this was done. But I want to find out what email was used for someone to get my credit on three separate occasions.

Business Response: Initial Business Response /* (1000, 5, 2015/01/13) */ ****, I am sorry for the frustration. We require some additional information in order to identify the account in question. Please email us at *******@creditkarma.com, supplying your name and date of birth so we can find this account and deactivate it. Thank you for your patience, ****** P.

2/2/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: WHEN I CALLED THEM TO REMOVE THE CHARGES THAT WHERE NOT MINE THEY IGNORED ME LEFT IT AND DID NOT REMOVED IT FROM MY CHARGES. I HAVE CALLED THEM SEVERAL TIMES TO REMOVE THE CHARGES THAT WHERE NOT MINE AND THEY IGNORED ME. I WOULD LIKE THEM TO REMOVE IT FROM MY CREDIT REPORT.

Desired Settlement: I HAVE CALLED THEM SEVERAL TIMES ABOUT THEM REMOVING WRONG CHARGES THAT WHERE NOT MINE AND THEY IGNORED ME AND LEFT IT ON MY RECORED

Business Response: Initial Business Response /* (1000, 5, 2015/01/13) */ ******, I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view his or her financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma because our service is completely free! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. ****** P.

1/30/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: Credit Karma has access to my credit information without my permission. I get spam emails from this company.Credit Karma. I Always delete them but today I happened to check it and notice that they have access to my credit information. I have never subscribed with them or have any contact with them at all. I got the phone number through you. I called them but all I got was answering machine guiding me to visit them through the website. Tried twice to no avail. Please investigate why they have access to my information. I don't need their services since I am always careful with advertisements like this one. I appreciate your help. Sincerely, ******* ******

Desired Settlement: All I want to know is why they have access to my credit information with detailed specifics and if they have given information to anyone without my authorization to take responsibility if any damages were caused by their actions. If nothing has happened, for them to stop sending me emails and to delete any of my information they could have about me.

Business Response: Initial Business Response /* (1000, 5, 2015/01/13) */ *******, I'm unable to identify the account in question without some additional information. Please email us at *******@creditkarma.com, providing your name and date of birth, so we can correctly identify the account in question and deactivate it. Regards, ****** P. Initial Consumer Rebuttal /* (3000, 7, 2015/01/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) I want to know why this company has access to all my credit information when I have never signed anything for them. Now they responded that they can't identify the account and need my name and date of birth. They should have all that since they have the access to my credit information. I voluntarily refuse to provide them with any of my personal information. I need you to investigate them on how they can access people's personal information without their consent. Final Business Response /* (4000, 9, 2015/01/26) */ *******, Based on the information you've provided here (your name and PO Box), I am unable to find a matching account. I have no way of knowing if a similar account might match your personal information, which is why I have requested that you email us your full name and date of birth. I am unable to cancel any account that doesn't match your personal information. Please email us at *******@creditkarma.com so we can further research. Thanks for your patience, ****** P. Final Consumer Response /* (4200, 11, 2015/01/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) How is possible that they are still asking me the following: This is what I copied from what they responded and want from me. My name is as it appears in this complaint. Based on the information you've provided here (your name and PO Box), I am unable to find a matching account. I have no way of knowing if a similar account might match your personal information, which is why I have requested that you email us your full name and date of birth. I am unable to cancel any account that doesn't match your personal information. Please email us at *******@creditkarma.com so we can further research. They have all my information. Do they really think I am going to send them my DOB? What is the purpose if they were able to get into my personal information.

1/30/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Misleading Advertisement On 12/11/2014 I logged on to creditkarma.com to receive my FREE credit score. After filling out the information needed to get my credit score, a notice said "Congratulations you are eligible to receive your credit score". Below this,it said I could get my score for a dollar and asked for my credit card number. On every commercial I have seen for this service' they have said that it is FREE and that you don't need a credit card to get your score.

Desired Settlement: Advertisement should be truthful and companies should have to follow through with their promises.

Business Response: Initial Business Response /* (1000, 5, 2014/12/17) */ I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view his or her financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma because our service is completely free! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Further, I do not see an account on Credit Karma that matches the personal information you have provided. If you would like me to further research your account, please provide your full name and date of birth so I can research further. Please let me know if you have any other questions. ****** P. Initial Consumer Rebuttal /* (3000, 7, 2014/12/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) As I said before, I logged on to creditkarma.com. Isn't that your site? To claim that it someone else using your name is a little hard to believe. If this is the case, you would have said that you were going to look into the "imposters" site for a resolution to this misunderstanding. Also, you are asking me to put personal information in this response, according to the BBB, I am told not to disclose personal information on responses do to their public nature. To ask for that information to be given on this site is a sign of questionable business practices. Final Business Response /* (4000, 9, 2014/12/30) */ *****, You are more than welcome to respond to us directly at *******@creditkarma.com but you will receive the same response. We do not, never have and never will, request for a credit card number or payment of any kind on our site. I suggest that you review your bank statements to see what company is charging you. If you need assistance, your bank or credit card company can also certainly assist you with filing a dispute. I cannot refund any money to you because we have not collected any money from you. I am sorry for this frustration. Regards, ****** P. Final Consumer Response /* (4200, 11, 2015/01/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) I did not ask for a refund of money! I am simply complaining that your site asked for my credit card number to charge me for the services. For you to accuse me of asking for money to be refunded is absurd. Not once in my claims of your false advertisement, did I state that I paid any sum of money! Your inability to keep your facts straight, prove that you don't practice good business. Your lack of concern for a potential customer's results on your web site are shocking. You must not even be bothering yourselves with reading what I am even saying. As I asked before, if it is another company using your name, why are you not investigating this for your own protection? Have you tried to investigate this? Do you just not care to fix this problem, then trying to turn it around to accuse me of being after money? If you want to allow other companies to destroy your name by causing issues like this for you I guess that's your prerogative.

1/16/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: False information is being reported against my credit by this company. There is no one to talk to in customer service. If customers can they allowed incorrect information on credit report on z1/1/15

Desired Settlement: Correct credit report information

Business Response: Initial Business Response /* (1000, 5, 2015/01/13) */ ******* - We received and followed up with your support ticket on 1/5/2015. It looks like we had a technical issue that we are aware of relating to accounts marked as delinquent. Currently, your account is reporting 'unreported' data as delinquencies. We know and understand that these are in fact not late payments on your accounts, and apologize for any confusion. We expect to resolve the issue shortly. Please let me know if you have additional questions. ****** P. Initial Consumer Rebuttal /* (2000, 7, 2015/01/16) */ (The consumer indicated he/she ACCEPTED the response from the business.) I am satisfied with their response.

1/16/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: These company's are harassing **** ****** for money. Someinclude Judicial Watch, Senator *** ****-Secure America Now, Award motivation Commission Prize Report Administration, JEM Reporting Network, Abraham Lincoln Foundation for Public Policy Research, Opportunities Unlimited Publications, Inc, National Pro-life Center on Capital Hill, ACLJ-american center for law and justice, North American Report Services, Decision Magazine, Opportunities Unlimited Publications, Inc, AARP real possibilities, Faith & Freedom Coalition, C.R.A.V.E.Christians Reviving Americas value,

Desired Settlement: Refund this ELDERLY woman's money

Business Response: Initial Business Response /* (1000, 5, 2015/01/13) */ I'd love to help you, but, there isn't a Credit Karma account associated with the personal information identified here. I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view his or her financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma because our service is completely free! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. ****** P. Initial Consumer Rebuttal /* (2000, 7, 2015/01/16) */ (The consumer indicated he/she ACCEPTED the response from the business.) We accept the answer from credit krama. But the other ones listed are ones are soliciting money from me. I just want them to stop.

12/17/2014 Delivery Issues | Read Complaint Details
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Complaint: Unable to cancel account. Privacy policy changed and unable to navigate to any account settings without accepting new privacy policy. Credit Karma's website indicates the account cancellation can be done through the security tab. There are instructions that indicate there should be a red cancellation button at the bottom of the security settings page, but that button does not exist. Also, I do not agree to the new privacy policy terms, however, the Credit Karma website is structured in a way that will not allow you to view any information (i.e. how to cancel) unless you accept the new privacy policy settings. The reason I'm cancelling is that I have been flooded with marketing spam phone calls ever since signing up with Credit Karma. The Credit Karma website changed its privacy policy and a user is unable to change any account settings or decline the new privacy policy settings, or cancel my account online as the security settings say that I should be able to. The instructions indicate to click a red button which is actually non-existent. I do not authorize Credit Karma to use my information to proivde to marketers in any capacity. Credit Karma violates a user's privacy by making it impossible to cancel an account online, so that one is forced to accept the new privacy policy settings. It is also not possible to cancel an account online like the website says you should be able to.

Desired Settlement: Cancel my account and do not provide any marketers with my information. Change your website to allow Privacy Policy settings to be declined, or to be able to be navigated through without accepting the new Privacy Policy.

Business Response: Initial Business Response /* (1000, 5, 2014/12/01) */ ****, I'm unable to find an account that matches the personal information you've provided. I'm still researching your issue, and I need some additional information. Please answer the following questions: Have you ever used any other first or last names or spellings of your names in the past? Can you please tell me with which email address you registered your account? Once I have that information, I can cancel your account for you. I'm sorry you want to cancel your membership. Keep in mind that Credit Karma is a completely free service. We will never charge you, nor will we or our partners ever send you spam. ****** P.

12/17/2014 Problems with Product/Service | Read Complaint Details
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Complaint: After entering my email address several times, I was told that that was not my email. After entering all my info, I was not given my credit score. I was told to change my password, which I did and then select several security questions which I also had to do several times. After this I had to choose correct answers from.multiple choice questions about my life after which the same screen kept popping up implying that I was giving the wrong info. After many tries, a box came up that said get your score. When I clicked it, it went to a page that was mostly blank but with a message saying they were doing maintenance and to visit the website later. They have my info including my social# but I never got my score.

Desired Settlement: I don't want my information to end up in the wrong hands and I want t want my credit score if they are legitimate. If they are not then I want them prosecuted as scammers.

Business Response: Initial Business Response /* (1000, 5, 2014/12/01) */ ******: I understand that you're having some trouble with registration. It looks like we were unable to verify your identity based on the details you provided. Until this is resolved, for security reasons, we can't give you access to Credit Karma's registered member services. In order to gain access to your free credit score on Credit Karma, please follow the steps below. These steps are necessary to ensure our commitment to member security. 1. Draft a letter including the following information so we can match your documentation to your account: a. Your full name (please include any previous last names) b. Your date of birth c. The email address associated with your Credit Karma account 2. Provide 2 copies of identification. **NOTE: DO NOT SEND ORIGINAL (ONLY PHOTOCOPIES) OR EXPIRED DOCUMENTATION - WE WILL NOT ACCEPT THEM.** You will need to include **one Primary document and one Secondary.** a. Primary: Drivers License or State ID Passport Green Card /Temporary Resident Card Birth Certificate b. Secondary: Another Primary Document Social Security Card Utility Bill: water, home phone, electric, gas, cable/internet (Address on statement must match at least one address on file with TransUnion) 3. Fax your letter and documentation to the following secure fax number OR mail your letter and documentation to the following address via postal mail: Submit your documents via our secure fax line: XXX-XXX-XXXX Or mail to: Credit Karma, Inc. Attn: Member Support **** *** *** *** ********** CA XXXXX-XXXX For security reasons, please do not send your personal information or documentation by e-mail. Feel free to let me know if you have any other questions. Thanks for your patience! Regards, ****** P.

12/15/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Credit Karma allowed my ex wife to access my credit profile and now won't provide records. I discovered on 11/3/14 that I had a creditkarma account that i did not open myself. After trying to access the account the email address that it was registered to was my ex wife's and we've been divorce or a year now.

Desired Settlement: I want recods of when the account was originally opened and i want every login inormation. The account is now deactivated since my ex knows that I know now so I want the date adn time the account was canceled.

Business Response: Initial Business Response /* (1000, 5, 2014/11/13) */ ******** - As part of our commitment to security and privacy, and pursuant to our Privacy Policy (https://www.creditkarma.com/about/privacy), we are not able to disclose any information outside of an official request from a government agency. If you choose to file a police report, we would be happy to cooperate with the investigation. Please have the officer or investigator contact us directly at *******@creditkarma.com. Thank you for your patience. ****** P. Initial Consumer Rebuttal /* (3000, 7, 2014/11/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) It's so easy for your agency to allow some one to access personal information but now want identifying information before providing records. I'd identity theft is at a high and your company allows people to gain access without identifying who is trying to access the information. I'm not pressing charges against my ex wife but I still want the records. Final Business Response /* (4000, 14, 2014/12/01) */ ********, As stated in our previous support communication to you, you can re-activate this account by completing the following steps. In order to reactivate it or change any information on the account you'll need to follow the steps below to verify your identity. It's a necessary procedure to ensure the security of the account. 1. Draft a letter including the following information so we can match your documentation to your account: a. Your full name (please include any previous last names) b. Your date of birth c. The email address you would like to use for your Credit Karma account 2. You must include a copy of one form of documentation from the list below. **NOTE: DO NOT SEND ORIGINAL (ONLY PHOTOCOPIES) OR EXPIRED DOCUMENTATION - WE WILL NOT ACCEPT THEM.** Drivers License or State ID Passport Green Card /Temporary Resident Card Birth Certificate 3. Send your letter and documentation via postal mail or fax to: Our secure fax line: XXX-XXX-XXXX OR Credit Karma, Inc. Attn: Member Support **** *** 520 *** ********** CA XXXXX-XXXX **For security reasons, please do not send personal documentation via email.** Once I receive these documents, we try to update accounts within 5 business days. When your account has been updated we will let you know with a confirmation email. In this circumstance, some people prefer to file a police report. If you are planning on filing a report, please have the police investigating the case contact us directly and we'd be happy to help provide any information that would be helpful for the investigation. Please let me know if you have any questions about this process. ****** P.

12/8/2014 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: CreditKarma refused me entry into my account I signed up for CreditKarma.com a few weeks ago and I signed in numerous times with no problems. Then I get an email stating something changed on my report. (A new address they state.) so I go to check this out and try to sign in and the site states I have the wrong password. I tried again and same thing so I went to reset the PW and they sent the usual link and asked for personal info to verify that I am who I say I am...so I gave them my birth month, day, year and my last 4 of my social and they state it doesn't match up with my email or other info on me, ( Huh????) So I tried again and then it states I have 2 chances left or they will lock my account...(What???) I took the 2 chances and they locked my account and then gave this address PO *** *** *** ********** CA XXXXX-XXXX and state in order to unlock my account I have to take the steps of providing various copies of ID's and mail it to them. I am a disabled veteran and getting out is hard to do. This is non-sense. I have not changed anything. I am suspicious of them now to want papered ID's on me when they did not use papered ID's to start my account. They have no phone numbers to contact them. They have no customer chat support. Although they have a B rating with the BBB I don't like this at all because I have not changed my email or PW so I would just like to cancel CreditKarma and they don't even have an online place to do this... Just cancel me...I am done with the hassel and frustration.

Desired Settlement: Just cancel my account

Business Response: Initial Business Response /* (1000, 5, 2014/11/13) */ *********, It looks like you have been able to access your account. Please let me know if you are still unable to access your account. I'm sorry you want to cancel your membership. Keep in mind that Credit Karma is a completely free service. We will never charge you, nor will we or our partners ever send you spam. Please note that, for security reasons, once you've canceled your membership, you will not be able to establish a new membership for six months. If you still wish to cancel, please log into your account and find the account cancellation page at the bottom of your security settings: https://creditkarma.com/myprofile/security If you'd rather cancel your membership via mail, please send a letter with your name, date of birth, and the email address you used to register for your Credit Karma account to the following address: Credit Karma, Inc. **** *** *** *** ********** CA XXXXX-XXXX OR Send this information to our secure fax line: XXX-XXX-XXXX. We're sad to see you go, and hope you enjoyed the service. Initial Consumer Rebuttal /* (3000, 7, 2014/11/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am still unable to access my account since August of 2014. Whomever recently responded to my complaint stated "*********, it looks like you have been able to access your account!" After I read the response to my complaint, I clicked on their "Reset Password," and then credit karma states we will send you an email giving you instructions on how to reset your password. But the same "Merry go round," email comes when it brings you back to "Reset Password," and we will send you instructions. (???) There are absolutely NO INSTRUCTIONS and After 3 try's they lock you out again! After they lock you out,again they request that you photo copy all your identification cards and personally mail it to them to prove who you are. (???) Again, I state you DID NOT ask me to produce my ID when I set up the account. To settle this, reset my password in temporary form and email me the temporary password. Otherwise, close the account. This is ridiculous. Final Business Response /* (4000, 9, 2014/11/24) */ Hi *********, It looks like we responded to your ticket in September of 2014 and provided you with the email address listed on your account. "The email address associated with your active account is: **********@yahoo.com Please use that email address to log in." You must login using this email address. If you still have issues, we can reset your password for you, but it looks like you may be trying to login using a different email address. Please let me know if you are still unable to access your account. Regards, ****** P.

12/3/2014 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Cleaned up credit over last year and credit karma score went from 570 to 672. Based on Credit Karma I applied for a VA mortgage using Credit Karma's score of 672. I was led to believe this was an accurate number of Trans Unions Score. When my credit score came back Trans Unions was 607 and Credit Karma was still 672. I believe this business is a scam and misleads consumers.

Desired Settlement: Have trans union reflect the score that credit karma reports

Business Response: Initial Business Response /* (1000, 5, 2014/11/17) */ ******, Credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. Each credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. In addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. As an example, a mortgage company will get a different score than a company providing auto loans, since they are looking for different types of credit history and credit factors. You can also read more about score differences here. (https://www.creditkarma.com/article/differentscores) Hope this helps! If you have more questions, please feel free to let me know. ****** P.

12/1/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: Someone has an open fraud account in my name and * can't access it and cannot contact anyone to help me. Unauthorized user

Desired Settlement: To investigate who opened an account in my name without my permission.

Business Response: Initial Business Response /* (1000, 5, 2014/11/13) */ ********, We received your support ticket on November 1st and responded stating that we deactivated the account. We also sent instructions that are necessary to follow in order to re-activate the account with an email address that belongs to you. Please feel free to respond to the most recent support ticket if you have further questions. Regards, ****** P.

12/1/2014 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Credit Karma advertises FREE credit reports. I entered ALL INFO and it denied me access and told I would have pay for their FREE service. Credit Karma offers FREE credit reports. I filled out all pertinent information. When it came to the field where they verify my info with a series of questions like "Which of these financial institutions did you have a mortgage loan with?" There were three or four questions like this with a few choices for me to choose from. NONE OF THE CHOICES PERTAINED TO ME AT ALL. I answered correctly to all of these questions...which was "None of the Above" because NONE OF THE CHOICES PERTAINED TO ME. As a result...I was denied the free reports and was offered these "FREE" reports for 29.95 or so. This isn't free. Why does it feel like the questions are meant to be wrong so that the ONLY CHOICE is to have to pay. Also...this site shared my information. This is the ONLY credit report site I visited...about ten minutes after I registered I received two emails and one phone call soliciting credit report services. This is not why I gave my personal info. This site is a scam.

Desired Settlement: I want the credit reports I was promised on their website. This company needs to be investigated...I am POSITIVE there are hundreds of people who have experienced this exact same thing. I am very disappointed and fear my info is out there for anyone to access...

Business Response: Initial Business Response /* (1000, 5, 2014/11/13) */ ****** - It appears you attempted to register an account with us but were unable to pass the verification questions. You then opted to deactivate your account. It sounds like you then navigated away to another website. Credit Karma believes that everyone should have a right to view his or her financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma because our service is completely free! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. ****** P.

12/1/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: Identity theft by person using my social sec and personal info with their own email address on credit karma On 11/5 i created an account with credit karma. This is the first account I've ever tried to create. after putting in my email and entering my social sec and personal information I get a message that says, ' there is already an account for the information you have entered" Well, I email customer support and they email me back saying, the email associated with the account infor you entered is for ***************@gmail.com. Which is not my email address at all! This means the person with this email is using my social and all personal info to access my credit report on credit karma. Identity theft. I have emailed them back to resolve this and have received no response as of today. I am very concerned about this and want a resolution.

Desired Settlement: I would like to know that this identify fraud is being investigated and handled properly and that whoever has set up an account under my name and personal info will be looked into. Also want to make sure that account is deleted

Business Response: Initial Business Response /* (1000, 5, 2014/11/13) */ *******, I'm sorry for the frustration. The account has already been suspended so that no one can access it. Please be aware that our security measures prevented this individual from completing registration and they were not able to access your credit information on Credit Karma. As part of our commitment to security and privacy, and pursuant to our Privacy Policy (https://www.creditkarma.com/about/privacy), we are not able to disclose any information outside of an official request from a government agency. If you choose to file a police report, we would be happy to cooperate with the investigation. Please have the officer or investigator contact us directly at *******@creditkarma.com. Thank you for your patience. Regards, ****** P.

12/1/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I am continually trying to deactivate my account from creditkarma.com, but I am unable to find the button. I have been with Credit Karma since January 2014. I have been using the website to check my credit score. In my account class yesterday, my professor said it is better to find your credit information by going to your bank. I decided to cancel my account for this reason and for fear that someone is able to get their hands on my information. I have been looking for the link to deactivate and I followed to the directions on the company page, but am unable to find the link. I searched the web for more information and someone else said that they had the same problem as myself and the way they were able to get their account deactivated was by filing a complaint with the Better Business Bureau.

Desired Settlement: I wish for my account to be deactivated immediately.

Business Response: Initial Business Response /* (1000, 5, 2014/11/13) */ ******** - I would be happy to assist, but I cannot find a Credit Karma account that matches your personal information. If you would please, email us at *******@creditkarma.com with your full name and date of birth, and we'll gladly assist you in deactivating your account. Regards, ****** P.

11/25/2014 Problems with Product/Service | Read Complaint Details
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Complaint: After entering my personal information for the first and only time, I got a message that said an account already exist for me. After entering my personal information for the first and only time, I got a message that said an account already exist for me. At this point I knew something was wrong so I tried to go back to the initial page to double check that the information I just entered was correct but I couldn't get to that page because now I was getting a message that said my password was incorrect (which it wasn't). So I went to "reset password" and entered my email to receive instructions on how to reset password. I never received anything. I repeated the steps two more times and nothing. I would like to cancel my account with Credit Karma, Inc

Desired Settlement: I want to cancel my account with Credit Karma, Inc in its entirety.

Business Response: Initial Business Response /* (1000, 5, 2014/11/07) */ *******, I would be more than happy to resolve this issue using our support system so I can verify your personal information. Your account associated with this email address is currently deactivated because there is another account with your personal information that was created before this one. I'd be happy to send you the email address associated with your active account if you'd send me your full first and last name and date of birth so I can verify your identity. Please email this information to *******@creditkarma.com and we'll respond promptly. Regards, ****** P.

11/25/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: I want to report Creditkarma because im trying recover my password * I spend so much time trying reset they said they will send new password to my e mail but nothing happened after week trying log in but its imposible no answer from phone number XXX XXX XXXX nobody on line Product_Or_Service: none Order_Number: none Account_Number: none

Desired Settlement: DesiredSettlementID: Other (requires explanation) I think creditkarma they just take people info then they cant log in

Business Response: Initial Business Response /* (1000, 5, 2014/11/07) */ ****** - We responded to your support request on 10/28/14, providing you with the email on your account and the method in which to reset your password. I have sent a password reset on your behalf. Please feel free to reach out to us if you continue to have issues logging into your account. Regards, ****** P.

11/17/2014 Billing/Collection Issues
11/14/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I have been emailing Credit Karma for months because I cannot get access to my account. I cannot reset my account and I cannot create a new account. I have been emailing Credit Karma from September 14,2014 Until now. My last email was 11/4/14. The last email i received from them was on 10/31/14

Desired Settlement: I just want access to my account. I can't get any help through emails and there is no number.

Business Response: Initial Business Response /* (1000, 5, 2014/11/13) */ ******** - We have received your documents and our last communication to you is as follows: "********, Thank you for your message and sorry for the inconvenience! As you know, it appears that you are unable to receive the password-reset emails at "******************@hotmail.com." Please, provide us with an alternative email address that we can use for your account. I can make the change on your behalf. Since we commonly have problems reaching users with MSN, Hotmail, Outlook, and Comcast email addresses, we recommend you avoid these providers when selecting your new email address. I look forward to hearing from you at your earliest convenience to resolve your issue. Thanks for your time and understanding! ****** Member Support Specialist" We have not yet received a new email address that you would like to use on your account and therefore we are unable to update your account. Please respond to that support ticket and we would be happy to assist you in updating your email address on your account. Regards, ****** P. Initial Consumer Rebuttal /* (2000, 7, 2014/11/14) */ (The consumer indicated he/she ACCEPTED the response from the business.) I will mail in the information for the SECOND time and i really hope something get fix. I really don't understand why I could get undate and and other emails for Credit Karma but something like a email reset or replacement I have to go through so much many change. I will send the information but if it DO NOT get resolve this time just closed the account. Thanks

11/11/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: I closed my account with Credit Karma 3 days ago and they will not delete my personal information. As my information was compromised on their site. I had to get a new debit/credit card issued when my credit union called and said my information was compromised by someone using the information on Credit Karma. This is (was) the only site that my card information was attached to. No one else (internet) or otherwise has this information. When I sent an email to support, they told me that due to federal regulations they could not remove or delete my personal information; I find this a little un-nerving. As a retired officer in the Marine Corps I would like this handled properly. When someone closes down an account with a company, they should remove all of their information immediately. They should not hold or "store" my personal information. If this matter is not resolved, I will have to take more aggressive steps.

Desired Settlement: I just want all my personal information removed from their files, servers and hard drives. No one including authorized personnel with Credit Karma should be able to view, use illegally, or distribute my personal information for profit or gain.

Business Response: Initial Business Response /* (1000, 5, 2014/10/15) */ ****** - Per our privacy policy, we are required to comply by certain information retention requirements. Therefore, when you deactivate your Credit Karma account, we cannot delete your information outright. However, your information is stored on secure servers and your account will be inactive and inaccessible to anyone other than Credit Karma authorized personnel. You can read more in the "What happens if I terminate my account?" section of our verified TRUSTe privacy policy here: http://www.creditkarma.com/about/privacy It appears you self-deactivated your account on 10/7/2014. Please let me know if you have any additional questions. Regards, ****** P. Member Support Manager Initial Consumer Rebuttal /* (3000, 7, 2014/10/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not believe you have to abide by certain retention requirements. I am asking politely for Credit Karma to remove all my personal information. Your response is not valid and is only used by your company for it's "privacy policy". I understand your position but please understand mine. My credit card was COMPRIMISED on your site and it was cancelled and I had to be issued another one. DO YOU UNDERSTAND THIS. My card was COMPRIMISED on your site!!!!! Final Business Response /* (4000, 9, 2014/10/29) */ I believe you may be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma. We never ask for credit card information anywhere on our site. Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions.

11/7/2014 Problems with Product/Service | Read Complaint Details
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Complaint: These people do not provide the service that they advertise. The offer to provide a consumer's free credit score.That's ruse to get name and address After giving them my name and address as required they did not provide my credit score and began to require further information. This occurred today 10/11/2014

Desired Settlement: I want Credit Karma to remove all my information from their files and further that they not give my information to anyone else nor use it in any manner and to absolutely delete all traces of it from their systems and files. Thank you. ***** *****

Business Response: Initial Business Response /* (1000, 5, 2014/10/21) */ *****, Upon researching, I am unable to find a Credit Karma account that matches your personal information. if you would like, I can continue to research, but would need more information: Have you ever used any other first or last names or spellings of your names in the past? What email address did you use to register your account with Credit Karma? If you provide me with this information, I will be able to better understand the issue and help you to either resolve the issue or cancel your account. Thanks for your patience, ****** P. Member Support Manager

11/4/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I am concerned that my name and social security number was used to acquire my credit report from credit karma I had emailed CREDIT KARMA months ago in reference to me trying to register and retrieve a free credit report and there system indicated that I had an account with them already when in fact I DID NOT!! Therefor I am concerned that I may be a victim of identity theft. I ask them to please look into this matter and give me a copy of the email address that was used to register my name and social security number so that I could report it to the proper authorities!!

Desired Settlement: A copy of the personal info used to get a copy of my personal info

Business Response: Initial Business Response /* (1000, 5, 2014/10/16) */ Hello ******, We did deactivate the account in question on April 11, 2014 when you sent your original support email. In this circumstance, you may want to file a police report. If you are planning on filing a report, please have the police investigating the case contact us directly and we'd be happy to help provide any information that would be helpful for the investigation. We do require a subpoena from the police to release any information on the account in question. In order to reactivate it or change any information on the account you'll need to follow the steps below to verify your identity. It's a necessary procedure to ensure the security of the account. 1)Please send us your email address and a copy of one of the following non-expired identification documents: Driver's license or state ID card Passport Green card or temporary resident card Birth certificate 2)Send this information to the following mailing address: Credit Karma, Inc. Attn: Member Support **** *** 520 *** ********** CA XXXXX-XXXX OR Send this information to our secure fax line: XXX-XXX-XXXX. When we receive these documents, we will update the email address on the account, reactivate it, and send a temporary password ** your email address. Please let me know if you have any questions about this process. Regards, ****** P. Member Support Manager

10/27/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: Claims of getting a free credit score. In the end it never delivered what it promised. I tried getting a free credit score and it never produced one.I guess u really do have to have good credit to get some.I guess da joke was on me.I just hope that they dont share ur personal info with any other companies

Desired Settlement: I just want what they promise to do...and if do share my info with other affiliates dey pay me back for it

Business Response: Initial Business Response /* (1000, 5, 2014/10/09) */ ****** - I understand you're experiencing some difficulty in retrieving your free credit score. It looks like TransUnion has indicated that you have a "thin file". This generally means that there is not enough information on file with TransUnion to accurately build a credit score for you. Once you have established at least six months of recent credit history, you may be able to complete the registration process and see your score. A "thin file" may occur if you have recently applied for credit for the first time or if you have too few open credit lines to generate a credit score. Read more here. (https://www.creditkarma.com/article/what-does-it-mean-if-i-have-a-thin-file) We recommend checking back once you've established at least six months of credit history. If you still have questions, let me know and I'd be happy to answer them. ****** P.

10/27/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: SYNCB credit card is on my credit report I did not apply for this Did research and creditkarma name is involved I did not auth this and want it remove I got an email on 10/4/14 from Credit Karma sending me my updated report. I only have one credit card which has 0 balance but there was another SYNCB I have no idea who when and where this came from. I did some research and Credit Karma name keeps coming up in each of them. I did not authorized this transaction and I want Credit Karma to fix it and take it off of my credit reports. I have cancelled my membership with them and request that they safeguard or shred my personal information.

Desired Settlement: Please explain what the SYNCB credit card is and how it got on my report. I want the card cancelled and the credit bureaus updated showing there is no such a card

Business Response: Initial Business Response /* (1000, 5, 2014/10/09) */ *******, The Synchony Bank card on your account is one provided by Care Credit. All of the credit report information on Credit Karma comes straight from TransUnion, one of the three major credit bureaus. We're not a credit bureau, so we don't have the ability to make changes to your credit report. To correct errors you see on Credit Karma, you must file a dispute directly with TransUnion. (http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page) You can also find more information on the dispute process here. (http://www.creditkarma.com/article/dispute-credit-report-errors) If you need to access your Equifax or Experian credit reports, visit www.AnnualCreditReport.com (https://www.AnnualCreditReport.com) to access these credit reports for free once each year. Let me know if you have any more questions. ****** P.

10/13/2014 Problems with Product/Service | Read Complaint Details
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Complaint: they take all your information and then you are circled around their web site without getting anything. You cannot reach anyone its a rip off site they have my personal information

Desired Settlement: I just want to be deleted from their site and I think you guys should class action sue them. unless your part of their scam. Creditkaram.com is a total bs ripoff scam site. now get busy and bust them

Business Response: Initial Business Response /* (1000, 5, 2014/09/22) */ *** - Your account appears to have had a misspelling in the email address. This sometimes when a member is registering, and I'm sorry for any inconvenience. I have canceled your account. Please let me know if you have any additional questions.

10/13/2014 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: tried this site to see my credit score for free as they advertised, number decreased drastically after a few days, no customer service to help I don't have a specific date but however, I signed up like most with this companies site to see my credit score for free as it was advertised. After only a few days I noticed that my score had dropped drastically.. I tried to find a way to contact this company but could not. I don't know if this is a scam or not but I am not pleased at all! Please help!!!

Desired Settlement: To delete my so called membership with this company and to have my credit score put back to where it was before I used this site!

Business Response: Initial Business Response /* (1000, 5, 2014/09/25) */ ****** - Your credit score can change at any time, or stay the same for quite some time. There are lots of factors that impact your score, so a single action will not always result in the kind of change you expect. The scores you see on Credit Karma come directly from TransUnion. We are not a credit bureau, so we are unable to change your credit score or credit report. Your score is NOT affected by using Credit Karma. Any time you pull your credit information using our site, it is considered a soft inquiry, therefore not affecting your score at all. Your account has been canceled, as requested. Please let me know if you have any additional questions. ****** P.

10/9/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: I opened an online account to credit karma a long while ago. When I tried to login to cancel the service they locked my account. The real problem is that companies like credit karma are selling my email and other personal information to other marketing companies to collect a profit. I can't prove it but why else would they be offering a free service without being able to call a customer service rep. They have no live chat service to communicate with an agent and at this point they've had my pertinent personal information for long enough. When I tried to cancel the account they told me I have to wait 3 days for a response. I don't have the patience for this. It's unfair that my email accounts have to be changed every few months because of all the junk mail I get because of internet companies like credit karma selling my information to third party companies for a profit. I wish you'd make light of these kinds of marketing strategies and techniques companies like these use to gain profit in this information age.

Desired Settlement: I want them to cancel the account right away. Maybe your company can get through to them. I don't want to wait anymore for good customer service. That should be a companies bottom line.

Business Response: Initial Business Response /* (1000, 5, 2014/09/22) */ *****, As per the statement in our Privacy Policy, Credit Karma does not sell or rent your Personal Information to third parties for any purpose. I can see that your account has already been canceled. Please let me know if you have any other questions. Regards, ****** P. Member Support Manager

9/25/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: I had Identity Theft on 9/8/2014 from Home Depot & Citi Bank. I took all the appropriate measures & on my Credit Report was an illegal inquiry. The illegal & unauthorized inquiry from Credit Karma on 8/25/2014. I have never used Credit Karma & you cannot contact anyone to put a stop to this. I will NOT give them any more of my personal Info . I want to be removed from their system and Security Watch with Notification if ANYONE tries to use my personal info to find out about my credit, illegal purchases or any other criminal acts. MasterCard Account was Opened in Citibank 9/8/2014 however it was stopped. ADDITIONAL DETAILS: Case is being handled by another organization: FTC , Police & CITI Identity Theft & Fraud

Desired Settlement: Remove my Named and info from their computers and contact law Enforcement with any info about the criminals to help apprehend them. Put a Security Alert on my name and info. I have NEVER used Credit Karma and NEVER will.

Business Response: Initial Business Response /* (1000, 5, 2014/09/22) */ I'm really sorry for this difficulty. I have suspended the account so that no one can access it. The required verification steps were not passed, so your credit information was not accessed using Credit Karma. In this circumstance, some people prefer to file a police report. If you are planning on filing a report, please have the police investigating the case contact us directly and we'd be happy to help provide any information that would be helpful for the investigation. If you would like to reactivate your account using your email address or change any information on the account you'll need to follow the steps below to verify your identity. It's a necessary procedure to ensure the security of the account. 1)Please send us your email address and a copy of one of the following non-expired identification documents: Driver's license or state ID card Passport Green card or temporary resident card Birth certificate 2)Send this information to the following mailing address: Credit Karma, Inc. Attn: Member Support **** *** *** *** ********** CA XXXXX-XXXX OR Send this information to our secure fax line: XXX-XXX-XXXX. When we receive these documents, we will update the email address on the account, reactivate it, and send a temporary password ** your email address. Please let me know if you have any questions about this process. ****** P. Member Support Manager Initial Consumer Rebuttal /* (2000, 7, 2014/09/24) */ (The consumer indicated he/she ACCEPTED the response from the business.)

9/18/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Inaccurate credit score/monitoring When I signed up for this company claiming credit scores and reports were accurate when in fact after attempting to further clean up my credit and running individual credit reports the scores were 50 points in accurate.this company monitoring is a complete waste of time

Desired Settlement: I want 6 months of credit monitoring back which set me 6 more months of fixing credit to buy a home. All this time up more score should have been different

Business Response: Initial Business Response /* (1000, 5, 2014/09/02) */ Credit Karma uses a consumer-based score provided by our credit bureau partner, TransUnion. This is not the same as a FICO score, and it's important to know that there are 49 different FICO models. The number itself really isn't as important; what matters is the changes that you observe over time, and where that number puts you related to other consumers. Each consumer has dozens of different credit scores, though most people believe that each person just has one. Credit scores can vary for lots of reasons. First, each of the three credit bureaus can have slightly different credit report information for you. Secondly, the credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. Third, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. Comparing several credit scores will always be different, since all the models are inherently different. Tracking one credit score over time, shows you the ups and downs in your score that could signal a significant change in your credit health. I apologize for the frustration. If you have more questions, please feel free to let me know.

9/18/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: report on credit report is incorrect and need to be corrected I have placed a complaint to Transunion about this same problem and also I notified you be email that the quittrip was paid and had no balance but you still have it as I owe them 34 dollars and it has been paid I have proof I can send you a email of my statement on my checking account and also th ecredit card statement that it has been paid up to date and I have not used it since then either.

Desired Settlement: fix the credit report or I will go to higher if have to

Business Response: Initial Business Response /* (1000, 5, 2014/09/02) */ All of the credit report information on Credit Karma comes straight from TransUnion, one of the three major credit bureaus. We're not a credit bureau, so we don't have the ability to make changes to your credit report. At Credit Karma, we focus on providing credit score and credit health resources. If you would like to review your full TransUnion report, please see your report here. (https://www.creditkarma.com/myfinances/creditreport) To correct errors you see on Credit Karma, you must file a dispute directly with TransUnion. (http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page) You can also find more information on the dispute process here. (http://www.creditkarma.com/article/dispute-credit-report-errors) If you need to access your Equifax or Experian credit reports, visit www.AnnualCreditReport.com (www.AnnualCreditReport.com) to access these credit reports for free once each year. Let me know if you have any more questions.

9/18/2014 Problems with Product/Service | Read Complaint Details
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Complaint: They don't provide the service they advertise and they won't let you cancel or remove your information. Credit Karma promises free credit monitoring and to provide you a credit score approximate to the 3 major credit reporting agencies. After checking the score they gave me for 6 months against the 3 main credit bureaus, and finding they rated me excellent with an average credit score of 749, when in fact all three bureaus rated me under 660 which is considered fair to poor, I decided to cancel my membership and found that I could not. They do not list that as an option on any of their web pages no do they have a customer service tab. I did a search online to see how to cancel and there are literally pages of people asking how to quit with no accurate response. One response says go to here

Desired Settlement: Credit Karma claims it will monitor your credit and provide you with a reliable credit score representative of the scores reported by the 3 main credit agencies. Credit Karma claimed my credit was on average 749, which is considered excellent. According to the three major credit bureaus my score was under 650 for the same period, which is considered fair to poor. After a few months I tried to cancel my credit karma membership and found I can't. There is no way to cancel or delete my personal information. I googled instructions for how to cancel. There are dozens of people asking the same question but nobody seems to have an answer. One customer service person provided instructions that do not work.

Business Response: Initial Business Response /* (1000, 5, 2014/09/02) */ *****, I'm sorry for your troubles. We have not received any previous messages through our member support email address, otherwise we would have absolutely provided instructions on how to cancel your account. Please note that, for security reasons, once you've canceled your membership, you will not be able to establish a new membership for six months. If you still wish to cancel, please log into your account and find the account cancellation page at the bottom of your security settings: https://creditkarma.com/myprofile/security If you'd rather cancel your membership via mail, please send a letter with your name, date of birth, and the email address you used to register for your Credit Karma account to the following address: Credit Karma, Inc. P.O. Box *** San Francisco, CA XXXXX-XXXX OR Send this information to our secure fax line: XXX-XXX-XXXX. Credit Karma uses a consumer-based score provided by our credit bureau partner, TransUnion. This is not the same as a FICO score, and it's important to know that there are 49 different FICO models. The number itself really isn't as important; what matters is the changes that you observe over time, and where that number puts you related to other consumers. The credit scores you receive on Credit Karma come straight from TransUnion, one of the three major national credit bureaus. Each consumer has dozens of different credit scores, though most people believe that each person just has one. Credit scores can vary for lots of reasons. First, each of the three credit bureaus can have slightly different credit report information for you. Secondly, the credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. Third, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. Comparing several credit scores will always be different, since all the models are inherently different. Tracking one credit score over time, shows you the ups and downs in your score that could signal a significant change in your credit health. Hope this helps! If you have more questions, please feel free to let me know.

9/15/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Credit Karma uses an internal lower (false) credit score to entice consumers to purchase their services. On around June 25th I contacted Credit Karma to inform them I had received a letter from one of my ''bad creditors'' indicating that they are advising all three major Credit Reporting agencies to delete their references. I received no response from Credit Karma. A few days later I called them again after receiving an e-mail that Credit Karma 'had send out letters on my behave' to the same creditor that actually had agreed to comply. This time was informed by a paralegal that I did not have to share this letter with them, they are aware of their actions on hand. I should not ''mingle'' with their activity... I did send out letters to all three credit bureaus and requested that account to be deleted. I expressed to the paralegal for Credit Karma there was another account reflected in negative balance for a delayed payment; That should be their focus. Yes, I had merely two negative reports on each major Credit. An easy job for the $79 charged per month. A FEW DAYS LATER I received a message from Credit Karma that they had send a letter on my behave to the same creditor that already had confirmed to close their claim. When the Credit Karma rep refused again to see my written statement from that creditor I requested to close my account with Credit Karma; I had no interest paying for a service that was focusing their efforts on accounts that already had been settled. A rep called and apologized and re-opened the account with promises to focus on the one negative account. I would be charged on August 4th. On July 16th (my birthday) my friends gave me a ''free credit report'' access (since my story was shared) and indeed that negative credit was gone. However it still reflected on Credit Karma as active...? My credit score reflected a much better number then that of Credit Karma. When the next day I received another message from Credit Karma that they had send letters to that creditor that had been removed from my account I canceled my account the second time. Today I receive a phone call at 8AM from a ''lawyer'' of Credi Karma, threatening me that I owe them two month of past services. He insisted that Credit Karma still reflected that creditor on my account. I offered again to show him prove it was solved weeks ago. Clearly, they keep their scores at a lower number to 'hold on' to their clients, a dishonest and misleading practice. Besides, I have no interest in paying for 'letters send to creditors' on accounts that have been solved. He said I owed them money for services provided. It became a circle talk about "services provided on accounts that had been solved..." It is odd to be made aware by a Credit Karma "specialist" that money owed to them could ruin my credit...

Desired Settlement: I dont owe Credit Karma money for services they provided on an account that WAS CLEARED - merely based on internal iniformation that reflects a manipulated account status different from the three major Credit reporting agencies.

Business Response: Initial Business Response /* (1000, 7, 2014/08/19) */ I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma it's entirely free to have an account. Credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. Each credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. In addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. As an example, a mortgage company will get a different score than a company providing auto loans, since they are looking for different types of credit history and credit factors. We have not received any other communication from you regarding closing your account. Please note that, for security reasons, once you've canceled your membership, you will not be able to establish a new membership for six months. If you still wish to cancel, please log into your account and find the account cancellation page at the bottom of your security settings: https://creditkarma.com/myprofile/security If you'd rather cancel your membership via mail, please send a letter with your name, date of birth, and the email address you used to register for your Credit Karma account to the following address: Credit Karma, Inc. **** *** *** *** ********** CA XXXXX-XXXX OR Send this information to our secure fax line: XXX-XXX-XXXX. We're sad to see you go, and hope you enjoyed the service. Please let me know if you have other questions. Initial Consumer Rebuttal /* (3000, 9, 2014/08/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) Credit Karma used the opportunity to promote their business instead of responding to the facts on hand: I contested their missleading practise that uses an internal credit rating score that DOES NOT reflect the actual FICA score used by all three major reporting bureaus. I refused to pay for a service that infromed me they had "...send out letters on my behalf to creditors..." of which I had proof they had ALREADY CLEARED my status on all three credit reports (as reflected everywhere BUT NOT with their service). When I offered Credit Karma proof that they are charging me for a service that had already been solved - they responded "...they had their own internal method..." They reflect this status quo with the above response... I send two written request (after talking several times on the phone, expressing my intend) to cancel my contract with Credit Karma but three weeks later was charged yet more fees for services rendered. One in the amount of $ 19.95 - I have no idea for what? I find it amusing that in their "response" Credit Karma invites me to go online and "cancel" my membership... which I long have done... In their response they highlight mortgage loans and such... I was not a client for these sort of dilemmas. It's just another attempt to advertise their services. I have screen shots and copies of all letters I sent to Credit Karma CLEARLY INDICATING my points and that I have canceled my account with them. Be careful contacting their services, it is seemingly designed to be a trap. It is dishonost to "trick" clients to believe their FICA score is much lower compared to the reality on hand. My credit score merely had two negative items that I needed assistance. In the end Credit Karma caused more trouble and still maintains I am actively subscribed to their dubious service. I am still contesting charges made on my account for which I have no clue what they are for... Sincerely chef ******* Final Business Response /* (4000, 11, 2014/09/02) */ Credit Karma uses a consumer-based score provided by our credit bureau partner, TransUnion. This is not the same as a FICO score, and it's important to know that there are 49 different FICO models. The number itself really isn't as important; what matters is the changes that you observe over time, and where that number puts you related to other consumers. Regarding the charges you are seeing, I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma it's entirely free to become a member! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. It appears that you still have an active Credit Karma account. If you would like me to cancel your account, please email me at *******@creditkarma.com, provide your full name and date of birth, and I would be happy to cancel the account on your behalf. Please let me know if you have any other questions. ****** P.

9/15/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: FRAUD AND IDENTITY THEFT I FOUND OUT THAT IN AUGUST, 2014 SOMEONE WAS ABLE TO ACCESS MY FULL CREDIT FILE THROUGH CREDIT KARMA AND GAIN ACCESS TO MY PERSONAL INFORMATION. IN DOING SO, CREDIT REPORTS HAVE BEEN PULLED AND ATTEMPTED CREDIT AS WELL AS FRAUDULENT BANK ACCOUNTS HAVE BEEN OPENED UNDER MY PERSONAL INFORMATION WITHOUT MY PERMISSION. I HAVE ATTEMPTED TO CONTACT CREDIT KARMA TO GET THIS RESOLVED AND NOT HAD A RESPONSE BACK FROM THEM.

Desired Settlement: REMOVE MY PERSONAL INFORMATION FROM YOUR FILES/FREEZE MY ACCOUNT SO THERE IS NO FURTHER UNAUTHORIZED ACCESS TO MY CREDIT FILE AND PERSONAL INFORMATION.

Business Response: Initial Business Response /* (1000, 5, 2014/08/19) */ Per our communication with you on Thursday, August 14th, the account has been suspended. Please see below for further information: "I'm really sorry for this difficulty. I have suspended the account so that no one can access it. In this circumstance, some people prefer to file a police report. If you are planning on filing a report, please have the police investigating the case contact us directly and we'd be happy to help provide any information that would be helpful for the investigation. In order to reactivate it or change any information on the account you'll need to follow the steps below to verify your identity. It's a necessary procedure to ensure the security of the account. 1)Please send us your email address and a copy of one of the following non-expired identification documents: Driver's license or state ID card Passport Green card or temporary resident card Birth certificate 2)Send this information to the following mailing address: Credit Karma, Inc. Attn: Member Support **** *** *** *** ********** CA XXXXX-XXXX OR Send this information to our secure fax line: XXX-XXX-XXXX. When we receive these documents, we will update the email address on the account, reactivate it, and send a temporary password ** your email address. Please let me know if you have any questions about this process." Initial Consumer Rebuttal /* (3000, 7, 2014/08/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) THE "CANNED" E-MAIL RESPONSE FROM CREDIT KARMA AND NOT GIVING THE OPPORTUNITY TO SPEAK WITH SOMEONE DIRECTLY REGARDING CREDIT FRAUD AND IDENTITY THEFT OF AN INDIVIDUAL IS WEAK. ALSO, FOR THEM TO ACCEPT A COPY OF A BIRTH CERTIFICATE AS AN ACCEPTABLE FORM OF IDENTIFICATION IS RIDICULOUS. FOR A COMPANY THAT TOUTS FREE CREDIT REPORTS AND SECURITY OF PERSONAL INFORMATION, I DON'T SEE WHERE THEY ARE HELPING ANYONE WHO HAS HAD IDENTITY THEFT. IT IS EXTREMELY EASY TO "SIGN UP" WITH THE SERVICE BY PROVIDING AN E-MAIL ADDRESS, NAME, ADDRESS, TELEPHONE NUMBER AND LAST FOUR DIGITS OF THE PERSONS SOCIAL SECURITY NUMBER...NOT ALL OF THE DIGITS, BUT ONLY THE LAST FOUR. WHEN I ASKED TO HAVE THE ACCOUNT TERMINATED BECAUSE I HAD IDENTITY THEFT, THAT APPARENTLY IS NOT A VALID REQUEST. I CAN SWITCH THE ACCOUNT OVER TO MY E-MAIL ADDRESS (AFTER I PROVIDE A FORM OF ACCEPTABLE I.D.), BUT IT STILL NEEDS TO BE ACTIVE WITH THEIR SERVICE. I WOULD NOT EVER RECOMMEND DOING BUSINESS WITH THIS COMPANY...EVER. WHY DOES THE COMPANY NOT CONTACT PEOPLE VIA TELEPHONE? WHY DOES THE COMPANY NOT HAVE A BUSINESS ADDRESS WHERE SOMEONE CAN GO VISIT FACE TO FACE TO RESOLVE AN ISSUE IF THEY CANNOT RESOLVE VIA THE TELEPHONE? Final Business Response /* (4000, 9, 2014/09/02) */ ******, It looks like you have supplied us with the appropriate documentation to reactivate the account using your email address. If you are concerned about fraud, you should file a police report, and contact all three credit bureaus directly to place a fraud alert on your file. Here's how to contact the three major credit bureaus to ask about or obtain your credit report or credit score, alert creditors to a possible fraud using your name, or for any other reason: Equifax: ************ (general) or ************ (fraud); P.O. Box XXXXXX, ******** ** XXXXX; www.equifax.com Experian: ************ (general and fraud); PO Box ***** Allen, TX XXXXX, www.experian.com TransUnion: ************ (general) or ************ (fraud); P.O. Box ***** *******, ** XXXXX; www.transunion.com You are more than welcome to cancel your Credit Karma account at any time - Keep in mind that Credit Karma is a completely free service. We will never charge you, nor will we or our partners ever send you spam. Please note that, for security reasons, once you've canceled your membership, you will not be able to establish a new membership for six months. If you still wish to cancel, please log into your account and find the account cancellation page at the bottom of your security settings: https://creditkarma.com/myprofile/security We're sad to see you go, and hope you enjoyed the service.

9/12/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I've emailed this company to let them know that I did not open up an account. I need them to cancel this account. I emailed this company July 19, 2014. I tried to open an account with Credit Karma but I received an email stating I had one already. The email they have on file is not mine. Someone has access to my credit info. Both my emails has my last name then first name. Yahoo & gmail accounts only.I have not gotten a response from this company. Please have them take better action as to prove people are who they say they are. They need to send out an alert to people's address on their credit report.

Desired Settlement: Please shut down this account & send me the email address used to get my personal & business info. They need to have better practices has to proven people are who they say they are by sending out a code to activate account to the address located on there credit report.

Business Response: Initial Business Response /* (1000, 5, 2014/07/31) */ LeDeana - It appears we responded to your support request on July 21, 2014 with the following message: "The email address associated with your active account is: *********@gmail.com I have temporarily suspended this account as a security precaution. The account is now inaccessible. Please let me know if you do or do not recognize this email address, and I will send over instructions on how to proceed from there. Thanks!" The account is currently deactivated. If you wish to reactivate the account using an email address that belongs to you, please contact *******@creditkarma.com and we'll supply you with the instructions on how to submit documentation to reinstate the account. Please let me know if you have additional questions. ****** P. Initial Consumer Rebuttal /* (3000, 7, 2014/08/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) The company did close account but denied me access to opening my own account for 6 months. That is not fair to me b/c I am a victim to fraud. I wish for them to send a pin# or something to consumers current address listed on their credit report before opening an account w/ their company.I want to be allowed to open up an account ASAP. It's not my problem this company doesn't take better precaution w/ people's personal & credit business. The email address is the name of my EX- HUSBAND'S COMPANY.His name is **** ********* I am not associated nor in contact w/him. He is crazy!I've had this same problem w/ free credit report.com. These Internet companies have to get with times. Protecting consumers from getting their privacy stolen not just their credit! Final Business Response /* (4000, 18, 2014/09/10) */ I'm sorry, *******, I cannot provide that information without a police subpoena. You may want to file a police report and please have the police send a subpoena directly to *******@creditkarma.com or fax to us at XXX-XXX-XXXX and we will respond accordingly. Please let me know if you have any further questions. Final Consumer Response /* (4200, 20, 2014/09/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) I would like to know what your company is going to do in the future to prevent your company from exposing people's personal information to anyone. Some kind of procedure must be put in place. This is a major violation to people's privacy that your company is profiting on. Please learn from this. Enough said...

9/11/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I am locked out of account; lousy customer service in getting me unlocked. they send me one form e-mail after another, but I am still locked out.I I have been locked out of my account for over one week; I e-mailed request to unlock; they e-mailed me indicating that my account is unlocked, but it is still locked; none of their instructions for unlocking it work. Very poor service. they should be required to offer phone support when their e-mail support is so ineffective.

Desired Settlement: have some one call me and help me regain access to my account info. **** *******

Business Response: Initial Business Response /* (1000, 5, 2014/08/25) */ Hello *******, It appears this issue is resolved as of 8/23/14. We take precautions to ensure the security of your account, so I apologize for the frustration. Please do let me know if you have any additional questions. Regards, ****** P. Member Support Manager

9/11/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have not been able to log into my account for months even tho it sais that I am. I have changed my pass **** but still to no avail. ####################

Desired Settlement: nothing

Business Response: Initial Business Response /* (1000, 5, 2014/08/25) */ Hello *******, It appears this issue was resolved as of 8/24/14. Please do let me know if you experience any other issues with your account. Regards, ****** P.

9/10/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: False advertisement, Credit Karma.com uses some other company to pull a report for you and then asks for a credit card number to get the report. This is not a free credit report agency and the American people should not be mislead by this television advertisement. It is so misleading that when you access the internet address it quickly takes the information and becomes another name;SCORE Sense. Exploitation, fraud and very misleading to customers. They told me that my card would be charged a $1.00 for handling this report, and one month later my card was charged $29.95 twice. I was able to put stop payment and notify the credit card company. I never signed or agreed to any kind of continuing contract services.

Desired Settlement: $51.00

Business Response: Initial Business Response /* (1000, 5, 2014/08/06) */ **** I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma it's entirely free. Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. ****** P.

8/20/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Credit Karma said I could get my credit score for free. Then I had to pay a processing fee $ 1. Did not realize there was a continuing monthly charge Problem started 3-19-14. Was charged monthly $29.95 for 4 months. Did not discover it until 7/14. I am 75 years old and almost computer illiterate. This was charged on my visa. Don't check. The bill carefully.

Desired Settlement: I think I should be refunded $ 29.95 for the four months my visa was charged. I did not realize that this was going to be a continuing charge of 29.95 per month

Business Response: Initial Business Response /* (1000, 5, 2014/08/04) */ ****** I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma it's entirely free to become a member! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. ****** P.

8/18/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: $29.95 was charged To my credit card My credit card was charged $29.95 on 06/26/2014. I thought thatcredit karma was suppose to be free. Would like my money back

Desired Settlement: What I was charged

Business Response: Initial Business Response /* (1000, 5, 2014/07/07) */ ****** - I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma it's entirely free to become a member! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. ****** P. Final Business Response /* (4000, 12, 2014/08/04) */ We're proud to say that Credit Karma is an entirely free service! Our goal is to make financial information available to everyone free of charge. There are no loopholes or free trial periods. We never collect your credit card or payment information because we simply don't need it. The advertisements and offers you see on our site enable us to make this service free for you. Our free credit scores are sponsored by partners who share our vision that consumers should have free access to their score. You will need to review your bank statements to see which company has charged you and dispute the charges with your bank to recoup funds. Please let me know if you have any other questions.

8/15/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: The Discover is listed as a debt on the report. I have never used this credit card and it should be removed from my credit report. I have no details other than it appeared on my credit report this month showing 2 months in the arrears. I have never used this card.

Desired Settlement: Please remove from my credit report.

Business Response: Initial Business Response /* (1000, 5, 2014/07/03) */ *******, All of the credit report information on Credit Karma comes straight from TransUnion, one of the three major credit bureaus. If you think there's something wrong with your credit information on Credit Karma, first get a current copy of your full TransUnion credit report at https://www.annualcreditreport.com/cra/index.jsp. To correct errors, you must file a dispute directly with TransUnion. You can do so here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page You can also find more information on the dispute process here: http://www.creditkarma.com/article/dispute-credit-report-errors Let me know if you have any more questions. Initial Consumer Rebuttal /* (3000, 12, 2014/07/24) */ Trans union has removed discover from my account. Please update my account Final Business Response /* (4000, 14, 2014/07/31) */ ******* - Credit Karma is not a credit bureau so we cannot make updates to your credit report. The frequency of the updates can vary by the credit bureau and the lender. In most cases, you can expect your creditors to report new balances, payment activity, credit limit changes, or account status updates every 30 days. If you would like to review your full TransUnion report, please see your report here. https://www.creditkarma.com/myfinances/creditreport You can also visit www.AnnualCreditReport.com to access your Equifax and Experian credit reports for free once each year. If you have any other questions, feel free to let me know. I'd be happy to answer them. ****** P.

8/12/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I was a victim of identity theft and someone has opened a creditkarma account. I tried notifying them, but haven't heard back. On June 27th, I notified Credit Karma that they had an account with my name and social with an email address that I did not recognize. This is a result of me being a victim of identity theft. In the auto email reply that I got back, it said I should get something back within 3 business days. It is now July 16th, and I have yet to get a response.

Desired Settlement: I want them to close the fraudsters account.

Business Response: Initial Business Response /* (1000, 5, 2014/07/24) */ ******, It looks like we received your email on June 27th and responded June 30th notifying you that we had suspended the account as a security precaution. The account remains deactivated. If you wish to reactivate the account or change any information on the account you'll need to follow the steps below to verify your identity. It's a necessary procedure to ensure the security of the account. 1)Please send us your email address and a copy of one of the following non-expired identification documents: Driver's license or state ID card Passport Green card or temporary resident card Birth certificate 2)Send this information to the following mailing address: Credit Karma, Inc. Attn: Member Support **** *** *** *** ********** CA XXXXX-XXXX OR Send this information to our secure fax line: XXX-XXX-XXXX. When we receive these documents, we will update the email address on the account, reactivate it, and send a temporary password to your email address. Please let me know if you have any questions about this process. Regards, ****** P.

8/7/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Credit Karma has locked me out of my account and given me 2 options, both of which I have tried to do and they still won't allow me to access account. I was locked out of my Credit Karma account because I entered the wrong password too many times. I tried to reset my password, but the email never came through. I even removed the entire spam filter on my email AND added the email address to my safe list. (They recommended that I add that specific address). When I still wasn't receiving password ***** emails, I contacted them. They said I could replace my entire account, but I personally wasn't able to do that because I've already done that once before (there is a limit apparently). I contacted them again and they said I could send them a copy of my government issued ID and a new email address that they could contact me at where I could receive these reset password emails. They proceeded to email me back and tell me that my password was reset, and to wait for an email containing my password. That never came. I contacted them again. They again gave me two options: Create a whole new account (which I already tried and can't do according to them) or send them a copy of my ID and a new email address (which I did and they failed to change my email address). I can't catch a break from this company. They run me around in circles and NEVER assist me. My credit karma account is just sitting there-unused-for well over a month now. All I want is to regain access, but the customer service employees fail again and again to help me. I'm beyond frustrated at this point. This has gone on too long. I want them to give me access to my account-however they want to do it. My suggestion is changing my email address to the alternate one I provided, which they said they would do, and never did. Please help me with this situation.

Desired Settlement: I want them to change my email address to the alternate email address I provided when I sent them the letter and a copy of my government issued ID. The email associated with the account is: *******@redwoodpacific.com The email I want my account to be changed to, where hopefully I will be able to receive the reset password link is: ****************@gmail.com

Business Response: Final Consumer Response /* (2000, 7, 2014/08/07) */ On August 5, after I reported them to the BBB, Credit Karma finally sent a reset link to the alternate email address I've been trying to get them to change for months. I'm not sure if it was a coincidence, but regardless, they finally took the time to actually read what I've been trying to tell them and fixed the problem.

7/31/2014 Problems with Product/Service | Read Complaint Details
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Complaint: My ex-wife accessed my credit using email *******@hotmail.com,and my ss#, DOB. Credit karma made aware and requested proof but no response over month I tried to start an account and found out that one was already opened by my ex-wife using email *******@hotmail.com, i contact *******@creditkarma.com to inform them of the problem and asked for proof of when this account was opened so I could pursue it further over a month ago and they failed/neglected to do so and now I am being completely ignored by them. I am divorced from my ex but going through a very nasty custody battle with her right now and I definitely don't want her to have access to my credit information. I need this information in order to research this and be able to stop her from accessing my credit. I have already put fraud alerts on all my credit reports but my ex-wife can still see what my credit is doing by accessing it through credit karma. they wont even close out the account so she still has access to my credit. I want something done about this

Desired Settlement: I want credit karma to give me the information about when the account was opened, proof of the email used, if possible any information about who opened it because it wasn't me. I also want access history to show how many times she has accessed my account. I want any information pertaining to this account, I want to see it all. I will need all this information so I can take it to the FBI and file fraud charges.

Business Response: Initial Business Response /* (1000, 5, 2014/07/15) */ ****, It looks like we received your contact on July 7th, 2014. We immediately suspended the account at that time. Unfortunately, we cannot release any of the information on the account without a police subpoena. You will need to file a police report and request that a subpoena be sent to us (**************@creditkarma.com) at that time. We will follow up with the investigating officer about the specifics of the subpoena. Unfortunately, in order to reactivate it or change any information on the account you'll need to follow the steps below to verify your identity. It's a necessary procedure to ensure the security of the account. 1)Please send us your email address and a copy of one of the following non-expired identification documents: Driver's license or state ID card Passport Green card or temporary resident card Birth certificate 2)Send this information to the following mailing address: Credit Karma, Inc. Attn: Member Support **** *** *** *** ********** ** XXXXX-XXXX OR Send this information to our secure fax line: XXX-XXX-XXXX. When we receive these documents, we will update the email address on the account, reactivate it, and send a temporary password ** your email address. Please let me know if I can help in any other way.

7/28/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: False and misleading advertisement. On a TV commercial CreditKarma advertised free credit reports at creditkarma.com. But when I tried to get a free credit report, they said my report was too thin. Then they wanted me to get one of the credit cards that they provide on their web site. My credit score is 580, so how can they say my report is too thin to give me a free report. This is just a scam to get people to apply for credit cards and do not give out free credit reports. I have talked to some of my friends and ask them to try to get a free credit report from creditkarma, and they too could not obtain a free credit report from them. They advertise fraudulently to sale credit cards and should pay for this crime. The BBB is the first step to stopping this fraud. And the American people need to know what they are doing. Step two will be left up to creditkarme and their handling of this complaint...

Desired Settlement: One Million Dollars U.S.

Business Response: Initial Business Response /* (1000, 5, 2014/07/03) */ We're proud to say that Credit Karma is an entirely free service! Our goal is to make financial information available to everyone free of charge. There are no loopholes or free trial periods. We never collect your credit card or payment information because we simply don't need it. Credit Karma uses a consumer-based score provided by our credit bureau partner, TransUnion. It's not unusual for users to fall into thin files after previously receiving credit scores. You may not have enough open and active credit accounts to calculate a score at this time. However, that doesn't mean that we won't be able to retrieve a score for you in the future. Feel free to check back as often as you'd like to see if we've received a new score for you. We offer the possibility of getting a credit card because it will help you to establish a credit report and credit file to generate a score. Please let me know if you have any other questions. Initial Consumer Rebuttal /* (3000, 7, 2014/07/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) I think that is unexceptable response, too many people are not getting a free report from credit karma. All that I have talked to has said the same thing that I received from credit karma. Only offers for credit cards. It's a scam and it should be know as one by the governing author tie who over see such scams. I have tried 6 times to get a report from them. I do not have a thin file, and I do not need more deit to receive my credit report. There is no free in credit karma, and they need to be help responsible for their false advertisement. Final Business Response /* (4000, 9, 2014/07/15) */ I'm sorry that you've been unable to access a Credit Karma account, but at this time, you do not have enough information in your credit file to generate a score. We are unable to assist in any other way at this time, but you may feel free to try to access you account again anytime in the future. Utilizing your existing credit is alternative way to generate credit activity on your report. If you are looking to see your current report, visit www.AnnualCreditReport.com to access your three, free, government-mandated credit reports each year. If you have any other questions, feel free to let me know. I'd be happy to answer them.

7/25/2014 Guarantee/Warranty Issues | Read Complaint Details
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Additional Notes

Complaint: They first requested my full ss# when starting the process. Which made me leary. Then the identification questions they asked none pertained to me. Initially when beginning my application process, I was asked my last 4 digits of my ss. Once I gave it, it stated it could not locate my information and required my full ss. I was very reluctant and asked several family members was this normal. They assured me they had done the same thing. So I gave my ss in its entirety. Then the system gave me about 4 identifying question. None of the questions applied to me. I answered none of the above several times and it kept promting me to reenter the information. I decided to answer one of the questions knowing it would be incorrect. I was hoping to get another set of questions. Instead, it told me it was incorrect and advised me to send in required documents to prove my identity. Im angry because I gave my full personal information correctly online for the world to see! I want to be assured the site was legitimate. I also want the information I was requesting. Lastly, I want ID questions that applies to me so I can be assured this isntba scam site!! Thank you..

Desired Settlement: I want the information I requested. I want questions related to me. I want to know my personal information is not in jeopardy. I want to know this site is official. Once I receive my request I want to close the account.

Business Response: Initial Business Response /* (1000, 5, 2014/07/15) */ ******* - I'm sorry, it seems that you were unable to pass our verification process. We offered you an alternative way to verify your identity (outlined below). The questions you answered during registration are meant to match you with credit report information provided by TransUnion. This information is based on the social security number you entered. Each correct answer is designed to verify your identity, so if your answers didn't match we will need to verify your identity via mail or fax. This process is a necessary security measure. In order to gain access to your free credit score on Credit Karma, please follow the steps below. These steps are necessary to ensure our commitment to member security. 1) Provide 2 copies of Identification (please do not send original documents). You must include 1 document from each of the categories listed below, 1 Primary and 1 Secondary. All documents must be valid. (We can't accept expired documentation.) Primary: Drivers License or State ID Passport Green Card /Temporary Resident Card Birth Certificate Secondary: Another Primary Document Social Security Card Utility Bill. (Address must match at least one on file with TransUnion) 2) Mail your documents along with the email address associated with your Credit Karma account to the following address via postal mail: Credit Karma, Inc. Attn: Member Support **** *** *** ***************** XXXXX-XXXX OR Submit your documents via our secure fax line: XXX-XXX-XXXX. Our member support agent also offered you the ability to deactivate your account. You may do so by logging into your account and finding the account cancellation page at the bottom of your security settings: https://creditkarma.com/myprofile/security. Please let me know if I can help in any other way. Initial Consumer Rebuttal /* (3000, 7, 2014/07/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) Once again, none of the question asked applied to me! I gave my complete ss#, dob, & address. How can I answer them correctly if I didnt recognize any of them? At this point I do not want to continue trying to access my information. I' ve already mailed in a letter to discontinue service! Final Business Response /* (4000, 9, 2014/07/23) */ *******, It looks like we have received your request and the account has been deactivated. Please let me know if there is anything else I can do to help. Final Consumer Response /* (2000, 11, 2014/07/25) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you!

7/24/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Since enrolling there are unknown new creditors calling and old charges listed on my credit report and my information given out without permission. Since enrolling with CreditKarma I have new charges that I know nothing about added to my credit report along with numerous mailings and calls of harassment from creditors. I also have a disability discharge for education loans that are still being reported by CreditKarma and ****** *** as in default even though I have provided all involved a copy of the discharge from the Department of Education and Nelnet.

Desired Settlement: All erroneous entries removed from my report and cease and desist with letters and calls of harassment brought on by their incorrect information. Also, they should no longer give out my personal information.

Business Response: Initial Business Response /* (1000, 5, 2014/07/07) */ ****** - Credit Karma is a completely free service. We will never charge you, nor will we or our partners ever send you spam. All of the credit report information on Credit Karma comes straight from TransUnion, one of the three major credit bureaus. If you think there's something wrong with your credit information on Credit Karma, first get a current copy of your full TransUnion credit report at https://www.annualcreditreport.com/cra/index.jsp. To correct errors, you must file a dispute directly with TransUnion. You can do so here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page You can also find more information on the dispute process here: http://www.creditkarma.com/article/dispute-credit-report-errors Let me know if you have any more questions.

7/24/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I went to access my account to check my credit score and was instructed that there already was a account under another email. They showed me part of the email and it ended in.net and I have no emails ending in .net. Tried to contact them but there was no phone number or email. Had to access the email by looking them up on better business bureau. I need to make sure there is no fraud action at work here!!!

Desired Settlement: DesiredSettlementID: Other (requires explanation) I need to be contacted to be sure I'm safe!

Business Response: Initial Business Response /* (1000, 5, 2014/07/03) */ *******, It looks like we received your support request and responded to you on June 24th. We included the full email address listed on your active account. If you're unable to access your account, please respond to the support email and we can give you detailed instructions as to how you can access your account.

7/24/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Gave out false information to credit card company. Refuses to correct online information that has been proven to be wrong I applied for a credit line increase with Barclay Bank. They said it was listed as account past due. Transunion notified. Credit Karma notified. They refuse to remove truck balance that has been paid in full and can be verified as such, there are no late payments which can be verified and their customer service rep was nasty.

Desired Settlement: Correction of my account

Business Response: Initial Business Response /* (1000, 5, 2014/07/07) */ ****** - I'm not sure I understand all of the items listed here, but would be happy to help you as best I can. All of the credit report information on Credit Karma comes straight from TransUnion, one of the three major credit bureaus. If you think there's something wrong with your credit information on Credit Karma, first get a current copy of your full TransUnion credit report at https://www.annualcreditreport.com/cra/index.jsp. To correct errors, you must file a dispute directly with TransUnion. You can do so here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page You can also find more information on the dispute process here: http://www.creditkarma.com/article/dispute-credit-report-errors Let me know if you have any more questions. ****** P.

7/21/2014 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Credit Score Reported Incorrectly My banker referred me to Credit Karma's website. Upon checking my score there, I discovered there was a huge disparity between what they were reporting versus what all three of the major credit reporting agencies were showing. I see no way to contact them online to dispute any inaccuracies and I would like this corrected immediately.

Desired Settlement: I want my score reported accurately, as a true reflection of the score the credit reporting agencies are reporting.

Business Response: Initial Business Response /* (1000, 5, 2014/06/09) */ ********, I'm sorry for the frustration. Credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. Each credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. In addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. As an example, a mortgage company will get a different score than a company providing auto loans, since they are looking for different types of credit history and credit factors. Please let me know if you have any further questions. Initial Consumer Rebuttal /* (3000, 7, 2014/06/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) Credit Karma's response is a copout. They are supposed to be reporting directly from the major credit reporting agencies. Even with differing score models, there could not psosibly be a point spread of more than 100 points. This needs to be corrected and that is what I want done. I don't want a questionable explanation or 'justification' for misreporting a person's score. Final Business Response /* (4000, 13, 2014/07/03) */ ********, I'm sorry, but the credit score you see on TransUnion and what they give to us to report to you are two different numbers. A consumer based score and a Fico score are different. You may feel free to contact Transunion at this number to clarify the discrepancy. If you have any questions about this, feel free to call TransUnion at XXX-XXX-XXXX.

7/21/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: IMO,Credit Karma is a scam,it promises to help with your credit score,and it DON'T!!!! I WANT MY CREDIT SCORE ACCOUNT DELETED!!! ASAP!!! My problem with credit karma is the give false/incorrect credit scores,,, my credit score was 680,the chopped it down to 630, i check it,and it's 685... I want my credit karma account deleted ASAP... pLEASE HELP ME CLOSE MY ACCOUNT,AND MOVE ON...

Desired Settlement: CLOSE MY CREDIT KARMA ACCOUNT...ASAP I DON'T TRUST THEM WITH MY PERSONAL INFOMATION..

Business Response: Initial Business Response /* (1000, 5, 2014/06/19) */ Credit Karma uses a consumer-based score provided by our credit bureau partner, TransUnion. This is not the same as a FICO score, and it's important to know that there are 49 different FICO models. The number itself really isn't as important; what matters is the changes that you observe over time, and where that number puts you related to other consumers. You can learn more about credit score differences in the article that our CEO wrote for the Huffington Post: http://**************************-***/***********************XXXXXXX.html I do not see any account in our system that matches your personal information. If you would like me to further research, I would be happy to do so. You can reach out to me directly via *******@creditkarma.com and please address me by name so the team knows to have the request escalated to me. Please let me know if you have any further questions. ****** P. Initial Consumer Rebuttal /* (3000, 7, 2014/06/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) I Deleted my account already....TY.... Final Business Response /* (4000, 9, 2014/07/03) */ Thank you, your account has been closed.

7/15/2014 Problems with Product/Service | Read Complaint Details
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Complaint: credit score in not factual and caused me more damage and embarrassment after being told myt score was more than 60 points higher than actual score. i checked details on there report and score and compared then to actual credit agency Experian. VERY misleading. I thought I was about to buy a home soon only to find out i have way more stuff to settle.

Desired Settlement: change the advertisement on tv to say the truth about their services. free or not its very dangerous to get people excited only to be slapped back down.

Business Response: Initial Business Response /* (1000, 5, 2014/07/03) */ *****, Credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. Each credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. In addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. As an example, a mortgage company will get a different score than a company providing auto loans, since they are looking for different types of credit history and credit factors. I'm sorry for the frustration. Initial Consumer Rebuttal /* (3000, 7, 2014/07/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) There was incomplete data about my debts as well. This is not a factual site. Final Business Response /* (4000, 9, 2014/07/14) */ *****, Credit Karma uses a consumer-based score provided by our credit bureau partner, TransUnion. This is not the same as a FICO score, and it's important to know that there are 49 different FICO models. I'm sorry but without more information, I am unable to assist you with regards to the other incomplete data. If you would like to provide further information, I would be happy to answer your questions. All of the information on Credit Karma is provided by one of the major credit bureaus, Transunion. If you think there's something wrong with your credit information on Credit Karma, first get a current copy of your full TransUnion credit report at https://www.annualcreditreport.com/cra/index.jsp. To correct errors, you must file a dispute directly with TransUnion. You can do so here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page Please let me know if you have any other questions. Final Consumer Response /* (4200, 11, 2014/07/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) Because the truth remains that the debt data was not accurate nor was the score.

7/14/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Dear BBB, I checked my credit score & Credit Karma had wrong information & dropped my score 50 points saying I had too much credit utilization. I have 2 Capital on cards one with a $500 dollar limit & one with a $150 dollar limit. I have a balance of $450 on the $500 card & about $96 dollar balance on the $150 limit card. They claimed I used too much credit & dropped my score 50 points. They always put in wrong information & it effects peoples credit. They should either monitor properly or be shut down. They affect people getting jobs, houses, etc. If they can't have a correct system they should not be in business. Thank you for your time. Have a good day.

Desired Settlement: Credit Karma needs to fix their mistake immediately!

Business Response: Initial Business Response /* (1000, 6, 2014/06/23) */ ****, Credit Karma uses a consumer-based score provided by our credit bureau partner, TransUnion. This is not the same as a FICO score, and it's important to know that there are 49 different FICO models. The number itself really isn't as important; what matters is the changes that you observe over time, and where that number puts you related to other consumers. Credit scores can change for many reasons. Here's a video on our blog explaining some of the common reasons why credit scores drop: ********************************************************************************** We don't have additional insight into why your score dropped, so the best thing to do is to continue to monitor your score and make good financial moves to improve your score. You can learn more about credit score differences in the article that our CEO wrote for the Huffington Post: http://**********************/***-***/*********************************** Please let me know if you have any other questions. ****** P. Initial Consumer Rebuttal /* (3000, 8, 2014/06/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) Credit Karma stated they do not have additional insight to why my score dropped and just continue monitoring my score. That shows how untrustworthy and inaccurate their system is. This affects my credit and they are not doing anything to resolve the issue. Would they accept that if it was their credit score? Probably not. Final Business Response /* (4000, 10, 2014/07/01) */ ****, One important piece to note is that the frequency of the updates can vary by the credit bureau and the lender. In most cases, you can expect your creditors to report new balances, payment activity, credit limit changes, or late payment information every 30 days or once per billing cycle, which is why some information may appear outdated on your account. The credit card and loan balances you see are your "reported balances," not necessarily the current balances on your statements. Credit card and loan companies report to credit bureaus once a month. To see your current balances, you can connect your accounts using this link: https://creditkarma.com/linking/ Then you'll be able to see a side-by-side comparison of your reported and current balances. Credit Karma is not a credit bureau, and we do not make changes to your credit report or credit score. All of the information you see on your account comes directly from TransUnion. The inquiry made to monitor your score on our site is a soft inquiry and does not affect your credit score. Please let me know if you have further questions. Final Consumer Response /* (4200, 12, 2014/07/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) Credit Karma's system for calculating is incorrect & I have been saying this for months on their site. I have screenshots proven this. I also attached some in email to your representative Tecoyia Porter. Credit Karma did not resolve the issue they just said they did not know why it occurred. That still doesn't fix the situation. They have not taken action to correct my incorrect credit score. I also have screenshots proving other information on their site is incorrect such as with my Credit Report Card score. They have me as an F yet if you average it out it should be a B score. They also have me as a lower insurance score yet I have never missed insurance payments, violations or accidents. Their system is very flawed & needs to be fixed immediately. They will keep others from getting a job or a house, etc. with their incorrect monitoring. They would fix it immediately if it happened to them!!!!

7/14/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: after you enter your social security number and bdate they ask you for a ccard #. They advertise you don't have to have a credit card. They get your personal information and then tell you to enter a credit card number in order to get your credit score. That's not what they advertise. After you enter your info., you can't get it back. They have it and you have nothing unless you enter your credit card number. Is this a form of ID theft? Their advertisement is entirely fraudulent. They go so far in trying to convince a person they don't need a credit card to get their a credit score only to get their information and then they ask for a credit card number. This is wrong. They should be fined and shut down.

Desired Settlement: They have my personal information. I don't have a clue to what they have done with it. I have been trying for so long to clean my credit up after a nasty divorce only to have this company lie and deceive me in order to get my personal information. I want them to know this is wrong and illegal. I want them to pay me a monetary amount for deceiving me and causing me to worry that my information (that they acquired fraudulently) will be used by someone other than myself. Why is this company allowed to continue to deceive the viewers?

Business Response: Initial Business Response /* (1000, 5, 2014/06/23) */ ******, We're proud to say that Credit Karma is an entirely free service! Our goal is to make financial information available to everyone free of charge. There are no loopholes or free trial periods. We never collect your credit card or payment information because we simply don't need it. I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma it's entirely free to become a member! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. If you have been charged at any point, you can usually see the name of the company on your credit card statement. If you have been charged, I would recommend that you file a dispute with your bank and they can help you by initiating a chargeback. Please let me know if you have any other questions. ****** P. Initial Consumer Rebuttal /* (3000, 7, 2014/06/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) What they are saying is a lie. If you log onto their site and input your information, before you can get your free credit report they ask for your credit card information to become a member of something. You have to become a member of this other site in order to get your information from Credit Karma. It's a fraudulent way to get around it not being free. There is no way, after you log onto Credit Karma, to get a free credit report without first entering a credit card number after you have given them your personal information. They are saying it's not them but another website. Give me a break. It's all attached to Credit Karma. And they are stealing people's personal information. Final Business Response /* (4000, 9, 2014/07/01) */ ******, I'm sorry for the frustration, but I can assure you that creditkarma.com will never ask you for a method of payment as we do not charge our members, ever. Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please check your bank or credit card statements to see the name of the company who has been charging you, if that is the case, and you should be able to file a dispute with them. I'm sorry that this has caused so many issues, but I can assure you that we do not ask for a form of payment. I further believe this to be true as I cannot find an account that matches your personal information. If you would like me to further investigate, you can send me an email directly with your full name and date of birth so I can verify your identity and attempt to find an account that will match. My email is **************@creditkarma.com. Please let me know if you have any other questions. Final Consumer Response /* (4200, 11, 2014/07/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) Of course you won't find an account for me. When asked for a $1.00 payment before I can get my credit score, I back out of everything and don't give you my credit card information. But, you still got my SS number and birthday. To prove my point, I just went on Creditkarma.com and before I could get my credit score you asked for a $1.00 payment. You are just another fraudulent company trying to scam the American people...

7/10/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Unauthorized use of my personal and financial information. After I signed up for their service, I received a re-cap of my information. They told me that I already had an account but the e-mail address they showed was not mine. However, they sent me an e-mail thanking me for signing up. When I tried to access my account with the information that I submitted was incorrect. I am deeply concerned about this because I am a victim of fraud because someone tried to open a credit card in my name. I tried to get this resolved with Credit Karma but the only thing I was told was that I would receive an answer in three working days. In view of the fraud incident, I cannot wait that long.

Desired Settlement: Cancel any and all accounts with my name and information on them immediately.

Business Response: Initial Business Response /* (1000, 5, 2014/06/23) */ ******, I'm sorry for the frustration. It looks like we have already responded to your inquiry. In order to gain additional information about the account in question, you will need to file a police report and request that a subpoena be sent to us for the information you requested. We will be happy to assist in any way we can once we have received the subpoena. The account is currently suspended and no one can access it. If you are planning on filing a report, please have the police investigating the case contact us directly and we'd be happy to help provide any information that would be helpful for the investigation. In order to reactivate your account or change any information on the account you'll need to follow the steps below to verify your identity. It's a necessary procedure to ensure the security of the account. 1)Please send us your email address and a copy of one of the following non-expired identification documents: Driver's license or state ID card Passport Green card or temporary resident card Birth certificate 2) Send this information to our secure fax line: XXX-XXX-XXXX; Or mail to: Credit Karma, Inc. Attn: Member Support **** *** *** *** ********** CA XXXXX-XXXX When we receive these documents, we will update the email address on the account, reactivate it, and send a temporary password to your email address. Please let me know if you have any questions about this process. ****** P.

7/9/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I lost 52 points on my credit score in the statement from Credit-karma was told my score when down because I did not apply from a credit card. I lost 52 points on my credit score in the statement from Credit-karma was told my score when down because I did not apply from a credit card. If I applied for a credit card my score will go up. I have received constant credit card advertisements daily.The website promises all 3 credit bureau but only shows one.

Desired Settlement: I want to see scores from all 3 credit bureaus and my credit score back up.

Business Response: Initial Business Response /* (1000, 5, 2014/06/23) */ All of the credit report information on Credit Karma comes straight from TransUnion, one of the three major credit bureaus. We do not offer reports and scores from all three credit bureaus at this time and do not advertise that we do. At Credit Karma, we focus on providing credit scores and financial resources. We're not a credit bureau, so we don't have extensive insight into your credit report, nor do we have any control over the changes that happen on your credit report. We don't have additional insight into why your score dropped, so the best thing to do is to continue to monitor your score and make good financial moves to improve your score. Please let me know if you have additional questions. ****** P.

7/9/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Incorrect credit information resulting in a drop of 45 pts in credit score in 24 hrs TransUnion confirmed information onCredit Karma site is wrong Incorrect credit information resulting in drop in credit score of 45 points overnight. TransUnion, Equifax and Experian confirm information on Credit Karma site is wrong. Correct credit score.

Desired Settlement: Correct credit score. It was previously 728 or higher. Remove incorrect information regarding 8 new accts being opened. Report accurate information from three credit bureaus. There are no accounts delinquent and no missed payments per three credit bureaus credit reports.

Business Response: Initial Business Response /* (1000, 5, 2014/06/23) */ Many members are seeing the change happen as a result of GE Capital Retail Bank's name change to Synchrony Bank. These changes will not affect your credit score. GE Capital (or GECRB on your credit report) is linked to a number of large and small retailer cards, including Amazon, Lowe's, Gap, TJ Maxx, Walmart, etc. If you had a previous credit card with one of these retailers, your account has simply been changed to now fall under the Synchrony Bank umbrella. You can see more about the name change here: https://************************************ and on our blog here: http://******************************************************************************************** Keep in mind that even if you did not have an account with GECRB, if you had ever applied for credit with one of the GECRB retailers, the bank name on your hard inquiry will now report as Synchrony Bank. We apologize for any confusion. Credit Karma uses a consumer-based score provided by our credit bureau partner, TransUnion. This is not the same as a FICO score, and it's important to know that there are 49 different FICO models. The number itself really isn't as important; what matters is the changes that you observe over time, and where that number puts you related to other consumers. Credit scores can change for many reasons. Here's a video on our blog explaining some of the common reasons why credit scores drop: ********************************************************************************** We don't have additional insight into why your score dropped, so the best thing to do is to continue to monitor your score and make good financial moves to improve your score. Please let me know if you have any other questions. ****** P.

7/9/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I had looked for my credit score could not get it unless I registed I cancelled I have copy confirmation they are still charging my credit card. Wanted my credit score it said try "free" cancel at anytime after 7 days free trial I canceled and my credit card is still being charged . I have copy confirmation it was canceled they have charged me twice after canceling and wont let me get on website to so that I can let them know it says i was canceled how can I stop these charges?

Desired Settlement: I want a refund 17.96 X 2 they have taking my money twice after canceling account.

Business Response: Initial Business Response /* (1000, 5, 2014/06/23) */ I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma it's entirely free to become a member! We cannot refund any money to you as we have never collected any money from you. I'm sorry for the frustration. Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. ****** P.

7/7/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I did inform this company that they are duplicating information. They claim there information is direct from transunion. That is not true. This company claims they get there information from trans union. I pulled my trans union report and there is nothing duplicated. I would like to see the trans union report they have.

Desired Settlement: I want the correct information they report.

Business Response: Initial Business Response /* (1000, 5, 2014/06/13) */ *****, I have reviewed your account and I do not see any duplicated information. As stated in our communication to you, our information comes directly from TransUnion. At Credit Karma, we focus on providing credit scores and financial resources. We're not a credit bureau, so we don't have extensive insight into your credit report. Visit www.AnnualCreditReport.com to access your three, free, government-mandated credit reports each year. Please let me know if you have other questions. Initial Consumer Rebuttal /* (3000, 7, 2014/06/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) One duplicate was removed. I don't have two Macy's credit cards. Trans union is not showing two Macy's credit cards. Credit karma is showing two credit cards. Final Business Response /* (4000, 9, 2014/06/23) */ ***** - This 'duplicated' account was the result of a mismatched linked account. You can see how you have set your accounts to link here: https://**************************** I have made the adjustment to match your Macy's store card to the DSNB Macy's card shown on your credit report. This is not 'duplicated' information, simply mismatched on your Credit Karma account. Please let me know if you have further questions. ****** P.

7/2/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Never signed up for the service. E-mail indicating such are unanswered. No contact phone# June 7 received a Welcome e-mail from Credit Karma. Responded to the e-mail stating that I never signed up for the service. Still have not received a reply. Continue to get e-mails from Credit Karma regarding request to change password, registration successful, & welcome to your credit report. Never signed up for this service. Need to speak to a live person to get to the bottom of this. No contact phone available. The whole thing involves sensitive information and the company is unresponsive

Desired Settlement: A discussion of how the service was ordered and how do I protect my personal & credit information going forward.

Business Response: Initial Business Response /* (1000, 5, 2014/06/23) */ ******** - I am sorry for the confusion. It does appear that one of our member support agents did respond to you. It appears that someone may have accidentally used your email address to register for Credit Karma. I have removed your email address from our database so that this should no longer be a problem. I can investigate further to ensure that the account in question is not associated with your personal information. If you'd like me to do this, please reply with your full name and date of birth. Thanks for your patience. ****** P. Initial Consumer Rebuttal /* (3000, 7, 2014/06/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) Yes, Credit Karma did respond after many days. Their response was to ask for more personal information from me. It is hard to accept that my e-mail address was used ACCIDENTALLY to open an account, process request for a password change & send a daily e-mail indicating that my registration was successful. The only way they would tell me if my personal information was compromised was to provide them more personal information or they would not investigate further. Not acceptable Final Business Response /* (4000, 9, 2014/07/01) */ ********, It is possible that someone with the same name has a similar email address and mistakenly added yours instead (i.e. perhaps the person intended to use @gmail.com or @hotmail.com instead). As a security measure, we request full name and date of birth to verify the account in question does not actually pertain to your personal information. We cannot otherwise identify whether or not the account belongs to you or another person. The account that contains your email address has been deactivated and your email address is no longer in our system. Please let me know if you have additional questions. Final Consumer Response /* (2000, 11, 2014/07/02) */ (The consumer indicated he/she ACCEPTED the response from the business.) No further information to be gained here. Just keep going round the same circle

7/1/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: signed up for free trial and the website will not let me log in to cancel 7 day membership. my email and password are not working to log in...and I know they are correct. I am requesting a new card to avoid being charged the 29.99? a month...but these people must be stopped. if I have any future problems I will most definitely seek legal representation. thank you and I hope you can help Product_Or_Service: 7 day free trial credit score

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want my card number off their records to avoid being frauded by a unreliable service

Business Response: Initial Business Response /* (1000, 5, 2014/06/13) */ ****** I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma it's entirely free to become a member! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions.

6/27/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Credit Karma advertised on TV that they will provide your credit score at no charge. You do not have to enter any credit or debit card information. I went to Credit Karma.com and requested my credit score on May 8, 2014. I did not enter any credit or debit card information and was told that this was a free service. It has been advertised on TV as a free service. On May 9, 2014 and again on May 16, 2014 I was charged $1 and $29.95 by a company called Scorescense and I have never dealt with them. The fraud dept. of my bank contacted the company and they said that I had signed up for credit monitoring service for $29.95/month and they would cancel my membership and submit a request to their corporate office to see if they are willing to return my $1 and $29.95 and would email me their decision in a few days. This is definitely a SCAM by Credit Karma and Scorescense to fraudently offer this as a free chance to get your credit score without having to enter any credit or debit card informaition but somehow my information was routed to this Scorescense and they charged my debit card without my permission. ADDITIONAL DETAILS: Case is being handled by another organization: Chase Banking Fraud Department

Desired Settlement: I want my information deleted from this company's database and my $1 and $29.95 refunded from Scorescense ASAP. This is deceptive trade practices and they should be closed down and prosecuted for fraud.

Business Response: Initial Business Response /* (1000, 5, 2014/06/03) */ I think you might be referring to a different site. It is possible that when you searched for Credit Karma, you accidentally navigated to the ScoreSense site. Our goal is to make financial information available to everyone free of charge. There are no loopholes or free trial periods. We never collect your credit card or payment information because we simply don't need it. We cannot refund any money to you as we never collected any money. The best way to handle this instance is to contact your bank and have the charges reversed. Please let me know if you have any other questions. Regards, ****** P. Initial Consumer Rebuttal /* (3000, 7, 2014/06/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) I did indeed contact Credit Karma and they are correct that they did not collect any credit card information. However, their website redirected me to a website called ScoreScense which I was unaware of and this company somehow, got my credit card information and billed me $1 and then $29.95. I have contacted my bank and I have finally resolved this issue with ScoreScense, but I have to believe that this is a scam that Credit Karma and ScoreScense are in together. So I do not believe that Credit Karma was unaware of this situation. However, I have received a refund on my charges but I would like consumers know that this is a scam because I am not the only person who went to Credit Karma and also got redirected to ScoreScense without their knowledge. Final Business Response /* (4000, 9, 2014/06/13) */ *******, I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma it's entirely free to become a member! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions.

6/25/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Karma promised that service was free. Deposit has not been refunded and an additional charge has been charged to my account. I ordered a free crdit report. I received the credit report but it is not free. A promised refund has not been issued. An additional billing for a month's service has been added to my account. I have tried several ways to contact Karma without success.

Desired Settlement: Credit to my account for the deposit and the incorrect monthly charge

Business Response: Initial Business Response /* (1000, 5, 2014/06/09) */ I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma -- it's entirely free to become a member! Our goal is to make financial information available to everyone free of charge. There are no loopholes or free trial periods. We never collect your credit card or payment information because we simply don't need it. Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions.

6/24/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Cannot find a way to discontinue the service. No phone number no apparent link on the website Created an account to view credit and wanted to correct errors or non-updated information. The Credit Karma does not help or assist. They simply refer to the three prime credit reporting agencies which makes their service worthless to my intention. However they make it impossible to determine where to go, who to call, or how to get the service stopped so no billing occurs.

Desired Settlement: Cease service and refund the cost

Business Response: Initial Business Response /* (1000, 5, 2014/06/23) */ *******, It appears we responded to your inquiry on 6/18/14. "I'm sorry you want to cancel your membership. Keep in mind that Credit Karma is a completely free service. We will never charge you, nor will we or our partners ever send you spam. Please note that, for security reasons, once you've canceled your membership, you will not be able to establish a new membership for six months. If you still wish to cancel, please log into your account and find the account cancellation page at the bottom of your security settings: https://********************************** If you'd rather cancel your membership via mail, please send a letter with your name, date of birth, and the email address you used to register for your Credit Karma account to the following address: Credit Karma, Inc. **** *** *** San Francisco, CA XXXXX-XXXX OR Send this information to our secure fax line: XXX-XXX-XXXX. We're sad to see you go, and hope you enjoyed the service." We're proud to say that Credit Karma is an entirely free service! Our goal is to make financial information available to everyone free of charge. There are no loopholes or free trial periods. We never collect your credit card or payment information because we simply don't need it. Please let me know if you have any other questions. ****** P. Initial Consumer Rebuttal /* (2000, 7, 2014/06/24) */ (The consumer indicated he/she ACCEPTED the response from the business.)

6/19/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Credit Karma shared my information with CarFinance.com On 3/22/2014 i went on the Credit Karma website only to get my free credit report, nothing else. I have recently learned that Credit Karma gave my personal information to a fly by night auto finance company called CarFinance.com This caused a negative report on my Experian credit report.(an inquire) I sent two letters to CarFinance.com asking them to contact Experian and have this inquire removed from my Experian credit report. Carfinance.com responded to both of my letters. This is what the letters read. (you submitted an application to us via another website, Credit Karma, on 03/22/2014. We have a relationship with that site and you gave that site permission to forward your application) I did NOT give permission to Credit Karma to forward my information to CarFinance.com. ADDITIONAL DETAILS: Case is being handled by another organization: BBB San Diego, and Orange County

Desired Settlement: I would like Credit Karma to advise CarFinance.com to notify Experian to have this hard inquire removed from my Experian credit report.

Business Response: Initial Business Response /* (1000, 5, 2014/06/03) */ ***** - Hard inquiries can only be removed if you did not authorize them in the first place. There are two ways a consumer can apply for a loan through CarFinance.com one is through a link from an email we may have sent on behalf of our partner (CarFinance.com); the other is through a link on our website that would take you to the CarFinance.com website. Either way, the only way a hard inquiry would appear from this company is if you completed the loan application process on the CarFinance.com site. There is no 'pre-qualification' through our site, and you would have had to have filled out the application on CarFinance.com yourself. We're not a credit bureau, so we don't have extensive insight into your credit report and we cannot make any changes to your credit report. Let me know if you have any other questions about this. Regards, ****** P.

6/19/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: I have notified credit carma on three different occasions that they are reporting the wrong information on my accounts. the information on my martgue is incorrect and has been for over 90 days this is effecting my credit score they have the unpaid balance at 33,600. I have paid the amount doun to 23,000. they are putting out infor mation that is incoeerct and refusing to change it

Desired Settlement: please fix the amount I owe on the martague

Business Response: Initial Business Response /* (1000, 5, 2014/06/03) */ Credit Karma is not a credit bureau. We simply put the credit information that is given to us in a format that is easier to understand. Because of this, we are unable to edit the information you see on Credit Karma. I understand that this is frustrating, but only TransUnion can make changes to your credit report. If you think there's something wrong with your credit information on Credit Karma, first get a current copy of your full TransUnion credit report at https://www.************************************* To correct errors, you must file a dispute. Here's a guide on how to do so: http://www.creditkarma.com/article/dispute-credit-report-errors Let me know if you have any more questions.

6/18/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: Invalid and/inaccurate information - no customer service Listed credit as 17 cards, listed a new card in May w/ a $45, 000 credit limit, listed Macys twice, once as Macy' DSNB and once as DSNB Macy. Not true information and maybe it could be used against me. I only own 5 cards, total debt in life is about $1000, my credit is impeccable but score was listed as 760, they lowered it in May stating that I have 17 open cards. Their information was grossly inaccurate and had a 15 year old phone number listed. There is no phone number associated w this company.

Desired Settlement: I closed the account but any information gathered or maintained related to my credit must be valid and accurate, and from the last 7-10 years.

Business Response: Initial Business Response /* (1000, 5, 2014/06/02) */ *****, I'm happy to clarify - what is listed is that over the course of your credit history, you have had 17 open accounts. They are not all credit cards. Some of those accounts have been closed. Credit Karma uses a consumer-based score provided by our credit bureau partner, TransUnion. This is not the same as a FICO score, and it's important to know that there are 49 different FICO models. The number itself really isn't as important; what matters is the changes that you observe over time, and where that number puts you related to other consumers. All of the credit report information on Credit Karma comes straight from TransUnion, one of the three major credit bureaus. If you think there's something wrong with your credit information on Credit Karma, first get a current copy of your full TransUnion credit report at https://www.annualcreditreport.com/cra/index.jsp. To correct errors, you must file a dispute directly with TransUnion. You can do so here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page You can also find more information on the dispute process here: http://www.creditkarma.com/article/dispute-credit-report-errors It looks like you deactivated your account on 5/27/14. Let me know if you have any more questions. Regards, ****** **

6/18/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I've sent two emails within the past two weeks and still have not heard back from this company. There is no telephone number to call! HORRIBLE service I've sent two emails within the past two weeks and still have not heard back from this company. There is no telephone number to call! HORRIBLE service because they have never responded or called me or sent an email all I get is an email stating a ticket has been created yet I never get support

Desired Settlement: I want to hear from customer support and I want a telephone number to their main office

6/17/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Karma credit and Lexington law posted fradgulant inquires on my credit report and trying too charge me too get them off I have proof it's not me Credit karma and Lexington law credit group are gettingLe Lexingtonutting false inquires on my credit and referring me too Lexington law roo charge me 100 a month too remove false inquires on my credit after i talk too Lexington and they got all my info is when it appeared on my credit they have tmobile and av hospital also sprint and tmobile also they have false info on my student loans i have contacted each provider and i have physical proof and want it remove asap

Desired Settlement: I want these inquires removed ASAP

Business Response: Initial Business Response /* (1000, 5, 2014/05/30) */ *****, The offers on Credit Karma are personalized for you, but they're still subject to approval by the offer provider. The provider might take other factors in your credit profile into account before approving you. Hard inquiries can only be removed if you did not authorize them in the first place. All of the credit report information on Credit Karma comes straight from TransUnion, one of the three major credit bureaus. If you think there's something wrong with your credit information on Credit Karma, first get a current copy of your full TransUnion credit report at https://www.annualcreditreport.com/cra/index.jsp. To correct errors, you must file a dispute directly with TransUnion. You can do so here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page You can also find more information on the dispute process here: http://www.creditkarma.com/article/dispute-credit-report-errors Let me know if you have any more questions. ****** P. Member Support Manager

6/16/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: Unfair practice - advertises credit options to get out of debt then lowers your rating when you apply. 05-16/04 my credit rating on CK was 668 - I am attempting to PAY all my debts so I accepted CK's recommendation to apply for a consolidation card using the link on the CK site. I applied, was rejected and CK punished me by deducting 5 pts from my credit rating lowering to 663. I feel this is an unfair practice which makes me wonder how fair CK really is.

Desired Settlement: I feel that CK should reinstate the 5 pts and give me 5 pts more for the aggravation and insult. I am working hard to pay my debts. I only ask for fair play and honesty - I'm beginning to wonder if that is possible from CK>

Business Response: Initial Business Response /* (1000, 5, 2014/06/03) */ *******, Your credit score can change at any time, or stay the same for quite some time. There are lots of factors that impact your score, so a single action will not always result in the kind of change you expect. The recommended debt consolidation application is exactly that, simply a recommendation. not a guarantee of credit. It is up to the discretion of the lender to accept or reject an application. Credit Karma uses a consumer-based score provided by our credit bureau partner, TransUnion. This is not the same as a FICO score, and it's important to know that there are 49 different FICO models. The number itself really isn't as important; what matters is the changes that you observe over time, and where that number puts you related to other consumers. Please let me know if you have any other questions. Regards, ****** P. Initial Consumer Rebuttal /* (3000, 7, 2014/06/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) Whether or not their "recommendation" was a "guarantee of credit" my applying on their "recommendation" did immediately from my score on their site by 5 points. I watched it happen. Per their vernacular, the simple act of my applying cost me five point because it was a "hard hit." Also, if, as they say, the FICA has 49 different models, how did the "hard hit" effect all of them? The last thing they say is "the number itself really isn't as important..." If that is true, why do they even use it? Her response is nothing but broad range fallacies. I took their advice, I checked to see if I could get financial help, the minute I did so I was punished by loss of 5 points on the FICA which, according to my bank IS important. Not acceptable at all. Final Business Response /* (4000, 9, 2014/06/13) */ *******, I'm sorry for the frustration. We do provide recommendations for different kinds of products, however there is never a guarantee of receiving a new credit line. Hard inquiries can only be removed if you did not authorize them in the first place. It remains at the discretion of the lender whether or not to approve or deny a new line of credit. Please let me know if you have any other questions. Final Consumer Response /* (4200, 11, 2014/06/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) The issue is not whether I was accepted or not, the issue was I took their ADVICE and clicked on a link on THEIR SITE to explore options and for this I was PENALIZED 5 POINTS on my overall rating. Essentially their PROFESSIONAL ADVICE was detrimental, not helpful. They are evading the point.

6/16/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: This was advertized on TV as totally free then asked for a $1.00 refunded fee & my B of A debit card was charged $29.95 plus $1.00. I called & cancel have Scoresense account cancellation number from company #XXXXXXX, I called to complain & get a refund on my card on 7th May & was assured I would be refunded money but they have not credited my account. I called to dispute charges today to B Of A & they told me to advise you of these terrible bad service.

Desired Settlement: My $29.95 plus $1.00 they falsely charged me.

Business Response: Initial Business Response /* (1000, 5, 2014/05/20) */ ******, I'm sorry to hear about your negative experience. Credit Karma is an entirely free service. We don't ask for a credit card number, or any other payment information because we will never need it. It sounds like you may have started on our site, but navigated away. You'll need to check your bank statement to see where the $1.00 fee and $29.95 charges originated. Since Credit Karma did not collect these funds, we can't return them to you. The best course of action is to contact your bank to inquire about initiating a chargeback. ****** P. Initial Consumer Rebuttal /* (3000, 7, 2014/05/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) When I went on the Credit Karma site they did ask for a debit or credit card & said it was for a $1.00 refundable charge & then a few days later I got the $29.95 charge on my debit account as well as the $1.00 initial charge. When I called the number that was with my credit card charge statement they said it was in fine print the charges & if I didn't see them & call & tell them I didn't want the Score sense service I would be charged so I contacted Visa & they awarded me a temporary credit because they said they hear this type of bogus business all the time & it is tricky & unprofessional. It is bad business. All I want is for the charges to be permanently returned to my account & for them to never charge me again. Final Business Response /* (4000, 9, 2014/06/02) */ ******, I think you might be referring to a different site. It sounds like you may have navigated away from Credit Karma or clicked on a different site's link. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma we will never ask for a credit card number because we simply don't need it. Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. I would recommend that you review your bank statements for the name of the company associated with these charges. If this happened, and you remember the name of the company, you can contact your bank to have them reverse the charges. Please let me know if you have any other questions. Regards, ****** **

6/13/2014 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Credit Karma suggest that you contact them first when applying for credit before you do anything else. I did that was denied credit with a hard hit to my credit. They suggest that Discover has my profile of my credit and they suggest that I apply for credit with a 100% approval. Not True. Then they said that the Barclay bank card has my credit profile with a 100% approval rate and I was declined credit. Yes' they give your credit report free with your score which is not correct. My credit report took 2 hard hits with declines approval and Equifax had a lower score then credit karma. So' do not believe when they suggest getting a 100& approval rate. NOT TRUUE. Product_Or_Service: credit rporting angency

Desired Settlement: DesiredSettlementID: Other (requires explanation) getting these 2 hard inquires off my credit for giving me wrong information. Barclay Card and Discover.

Business Response: Initial Business Response /* (1000, 5, 2014/05/19) */ ******** The offers on Credit Karma are personalized for you, but they're still subject to approval by the offer provider. We do show you your approval odds based upon a comparison between past approval data (when available) for the card in question and your current credit profile. However, the provider might take other factors in your credit profile into account before approving you. Please let me know if I can be of further assistance. ****** P. Initial Consumer Rebuttal /* (3000, 7, 2014/05/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do believe this true. They say the card issuer had already seen my profile that's how they determine you odds are greater for approval. Speaking with the corporate office of ******* they tell me that's not true. and they will investigating further, making sure Credit Karma is giving the right information to the consumer. They will be in touch after there investigation. Final Business Response /* (4000, 9, 2014/05/30) */ ******** Credit Karma's Approval Odds may help you apply for cards appropriate for your credit score and take away some of the guess work in the process. You may avoid multiple hard inquiries (which negatively affect your credit score) by utilizing these insights and applying for credit cards you have a better chance of getting approved for. We never guarantee 100% approval for any kind of credit. We do recommend that you do your research before you apply for a card. Use your Approval Odds as a first step in the process, but remember that it's just that: a first step. Lenders take into account hundreds of factors when making a decision of whether to approve or deny a credit card application, so these odds, while a helpful guide, can't guarantee you approval. Hard inquiries can only be removed if you did not authorize them in the first place. Please let us know if you have any further questions.

6/9/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: They don't do what promised . They are in a promotion business They promise 3 reports only 1 given Transunion Promote credit card to improve credit. Next day lower score from 619 to 602 due to that card inquiry they said was not going to happen. Tomorrow my bank will be upset maybe I don't get deal due to them. I have to get reports any way now they will lower my rate. I am 83 years old no good to mislead an old Veteran looking to improve my life a little. misrepresentation of a product shame on you

Desired Settlement: They should stop that practice and be honest that cost nothing and can make a person in need happy

Business Response: Initial Business Response /* (1000, 5, 2014/04/11) */ Dear Mr. ****, I apologize for the confusion. We do not promise three credit reports in our advertising. We only offer you your credit score for free. At this time, we pull all of our scores from TransUnion. You can learn more about the scores we provide here: http://*************************************************************** I assure you that checking your credit with Credit Karma doesn't lower your score. We're actually making the credit score request on your behalf (known as a soft inquiry), and those types of inquiries aren't shown to creditors. They don't affect your credit at all. If you have any other questions about Credit Karma, please feel free to email us at ***********************. Sincerely, ********* N., Member Support Lead Initial Consumer Rebuttal /* (3000, 7, 2014/04/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) To Whom It May Concern: They say three credit scores are provided. Negative I never received them that day but an avalanche of promotions. Only one score was provided after midnight, and to my surprise early next day the score was lowered and according to them due to inquiries. In the middle of the night?. Please be rational.Thanks Final Business Response /* (4000, 11, 2014/05/27) */ Hello ****, I'm terribly sorry for the confusion. We do not promise all three credit scores will be provided. We only offer you one credit score for free, and that information comes directly from TransUnion. Checking your credit score is considered a "soft inquiry" and will never lower your score. Soft inquiries will also NEVER be shown to a creditor, and will not affect your credit or your credit score. If you have any other questions, please feel free to email us at *******@creditkarma.com. We'd be happy to help you. Regards, ****** P., Member Support Manager

6/5/2014 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Credit Karma sent me an email about someone looking at my credit. Credit Karma sent me an email on May 22, 2014 said that someone is looking hard at my credit they gave me a link to access their site and when I had tried several times. Was told that my computer can not authenticate the website. Looked at my credit report there are things that are not suppose to be there. I had emailed them to delete me from their records on May 22, 2013. I am going to call my credit card companies to see if my credit has be tampered with.

Desired Settlement: I just want them to stop emailing me and totally delete me from their records completely. It is a terrible scam and should be banned from all TV commercials at once

Business Response: Initial Business Response /* (1000, 5, 2014/06/02) */ *****, Your account has already been deactivated. The messages you received while your account was open are simply notifications that tell you what credit alerts were received by TransUnion on a given day. All of the credit report information on Credit Karma comes straight from TransUnion, one of the three major credit bureaus. If you think there's something wrong with your credit information on Credit Karma, first get a current copy of your full TransUnion credit report at https://www.annualcreditreport.com/cra/index.jsp. To correct errors, you must file a dispute directly with TransUnion. You can do so here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page You can also find more information on the dispute process here: http://www.creditkarma.com/article/dispute-credit-report-errors Because Credit Karma is a financial services company, we are required to comply by certain information retention requirements. Therefore, when you cancel your Credit Karma membership, we cannot delete your information outright. However, your information will be stored on secure servers and your account will be inactive and inaccessible to anyone other than Credit Karma authorized personnel. Please let me know if you have any additional questions. ****** ** Member Support Manager Initial Consumer Rebuttal /* (2000, 7, 2014/06/04) */ (The consumer indicated he/she ACCEPTED the response from the business.) I have receive a response from the business and they did close my account with them. I will not be dealing with them again. Thank you

6/2/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Never finished sign up due to shady privacy policy. Even though I never finished sign up I have received multiple emails regarding this When I got to the page asking for personal details I saw the Privacy/Terms link so I reviewwed it. And upon review I found the way they use personal information to be shady. So I immediatly closed out. Since then I have received numerous emails from this company as if I had successfully registered. On top of that I used the unsubstantial link in the email and since then I have received 3 more emails...

Desired Settlement: Have them remove all of my information from their database. I do not want to be contacted by this company and I do not want this company to have any of my details on file.

Business Response: Initial Business Response /* (1000, 5, 2014/05/02) */ Hi *****, I'm sorry for the confusion. Once you register your email address, our system will send you emails indicating that you have signed up for an account. If you still wish to cancel, please log into your account and find the account cancellation page at the bottom of your security settings: ****************************************** Please let us know if you have any other questions. Best, ********* O. Credit Karma Initial Consumer Rebuttal /* (3000, 7, 2014/05/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) I never finished registering so I cannot login, at least not without providing personal information. And even though I never finished registering I got a ton of emails not related to registration but more or less newsletter spam that I never agreed to nor can I unsubscribe as I cannot login without completing registration. Final Business Response /* (4000, 14, 2014/05/19) */ *****, Thank you for providing us with that information. Your account has been canceled. We're sad to see you go. Regards, ****** P. Final Consumer Response /* (3000, 12, 2014/05/14) */ My email is ***@********* please remove me from your system entirely

6/2/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I tried to contact them regarding an idenitiy theft issue.The only way to contact is through email,I needed a phone# to resolve the issue,no respond. there an inquiry that I did not do through credit karma. I did not requested or authorized this inquiry on 3/20/14. I emailed them requesting a phone # for me to be able to speak with someone regarding this issue. they emailed me back requesting furuther information to verify my idenitiy. I explained that I am not comfortable giving them information via email. I have not received any respond form them since that time. I did email them again and still waiting without any respond till now

Desired Settlement: I need a to speak to someone regarding this issue. this is a very critical issue. someone requested my information and used it , and the company refueses to correct the issue.

Business Response: Initial Business Response /* (1000, 5, 2014/05/02) */ Hi ******, I'm very sorry to hear about this distressing situation. I can see that you've been corresponding with one of our Member Support Specialists, and the account created using your personal information has been suspended. The account will remain suspended indefinitely. If you are planning on filing a police report, we will be happy to assist the authorities investigating your case. They can fax the police report and subpoena for further information to: XXX-XXX-XXXX. Since someone had knowledge of your sensitive personal information to create this account, we suggest taking additional steps to protect your identity. You may want to consider enrolling in credit monitoring or placing a fraud alert on your credit report, if you have not done so already. Please let me know if I can be of further assistance. ******** G., Member Support Lead Initial Consumer Rebuttal /* (3000, 7, 2014/05/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) I need to speak to some one regarding this matter. I need to know what information was sent to them,when the account was opened, how many times they accessed this account. I do not beleive that I need the police to get a subpoena to access this information, esp since iam the victim. Final Business Response /* (4000, 9, 2014/05/20) */ ****** - I am sorry for the frustration this has caused. I see that you have been corresponding with a Member Support Specialist. Unfortunately, we do not offer phone support at this time. Any time a member identifies an account that was created using their personal information and using an email address with which they are not familiar, we immediately suspend the account. We have done so in this case, and that account remains inactive. As stated in our response to you on April 30, 2014, we cannot cannot share any information about the account without a subpoena from the police and that we would be happy to supply that information to the police upon receiving the subpoena. A subpoena can be faxed to us at XXX-XXX-XXXX. We also suggest taking additional steps to protect your identity. ****** P.

5/30/2014 Advertising/Sales Issues
5/28/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: INCORRECT INFORMATION ON CREDIT REPORT My credit report has listed 3 incorrect entries, indicating that I have 3 delinquent accounts; I do not know of any such delinquencies.

Desired Settlement: correction of these negative 3 delinquent accounts on my credit report.

Business Response: Initial Business Response /* (1000, 5, 2014/05/09) */ Hi *****! I'm sorry for the frustration this has caused. All of the credit report information on Credit Karma comes straight from TransUnion, one of the three major credit bureaus. We encourage users to act if they believe that information showing on their CreditKarma account is not accurate by first acquiring a current copy of your full TransUnion credit report at https://www.annualcreditreport.com/cra/index.jsp. To correct errors, you must file a dispute. Here's a guide on how to do so: http://www.creditkarma.com/article/dispute-credit-report-errors Please let us know if we can assist in any other way.

5/20/2014 Problems with Product/Service | Read Complaint Details
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Complaint: The main page of the Credit Karma website, Credit Karma promises to "give access to all your financial information, all in one location." This statement is not the truth, however. I Thanks to ProtectMyID I discovered a Verizon Wireless account had been opened in July 2013. I did not find out about this account until March 2014. The account went to collections in January 2014 and I wasn't even aware of it. The account is not listed on my Credit Karma but all of my other accounts are. All Credit Karma let me know was that my credit score had dropped approximately 80 points in January 2014 (because the fraudulent Verizon account went to collections). Had Credit Karma upheld its promise to "give access to all your financial information in one location" I would have known about this account in July and would have been able to stop it before it went to collections. I complained to Credit Karma as soon as I became aware of the fraudulent account. I was informed that Credit Karma only reports information from Transunion Credit Union. This is not completely true, though. I have accessed my Transunion Credit Report and the fraudulent Verizon account is listed. Credit Karma does not uphold its promises.

Desired Settlement: I would like Credit Karma to reimburse me for postage relating to me regaining my identity and removing the fraudulent Verizon account from my credit report. Right now I have spent approximately $20 on sending certified letters to credit agencies.

Business Response: Initial Business Response /* (1000, 6, 2014/04/11) */ Hi *********, I'm sorry to hear that you've had to deal with identity theft. This is an unfortunate experience. Credit Karma provides free credit scores and the ability to link your financial accounts to view them all in once place. At this time, we do not offer an identity monitoring service. We can alert members to changes to their credit reports. Utilities accounts, such as this Verizon account, are generally not included on your credit report. If the account is eventually sent to collections, it will appear on a credit report. Since this is a closed collections account, we can't display it on our site. Our site displays open accounts only. We had no knowledge of the Verizon account until it went to collections and was added to your credit report. We hope that the free credit scores we provide can alert members to potential issues on their credit report, but we're not a credit bureau or a credit monitoring service. I understand your frustration, and wish you luck in resolving the identity theft. Sincerely, ******** G., Member Support Lead Initial Consumer Rebuttal /* (3000, 8, 2014/04/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) Credit Karma didn't even display the Verizon Wireless account once it went to collections. I didn't even know the account existed or had went to collections until I used PROTECTMYID.com. Had I not utilized PROTECTMYID.com I would not even know someone had stolen my identity. Don't you think you at least owe me the $20 I have spent thus far correcting this issue? Final Business Response /* (4000, 19, 2014/05/19) */ *********, Credit Karma will only ever give access to the open financial accounts reported by TransUnion. Per the copy of your credit report that you supplied, it appears that this account was never listed on your account as OPEN on your TransUnion credit report; therefore we would not have been able to display that information on your account. Utilities, such as a mobile phone, are usually not reported by the mobile provider, and therefore, not usually listed on your credit report upon opening an account. Had TransUnion received any reporting information from Verizon (the creditor) when the account was opened, we would have been able to parse that information into our system and show you the opened account. You then could have disputed the account directly with TransUnion. To reiterate, Credit Karma is not a credit bureau or credit monitoring service. We do not have extensive insight into your credit report. As stated, Credit Karma gives you access to all of your financial information (specifically) bank accounts, credit cards, bills, mortgages, loans, and, of course, your credit scores all in one location, all under one account, all for free. Regards, ****** P. Final Consumer Response /* (4200, 13, 2014/04/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) No, I am not accepting this! While I understand that CreditKarma is not a Credit Bureau, Credit Karma promises to "give access to all your financial information, all in one location." ProtectMyID is also not a Credit Bureau but I was able to see I had an account in collections through them. To this day, Credit Karma still does not list on the website that I have an account in collections (there is even a spot on the website for this information. It clearly states "Accounts in Collection 0"). Had this information been correct, I would have been able to catch the fraudulent account much sooner. Again, I have proof of this information that I can attach or email at any point.

5/19/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Credit Karma states that the services it absolutly free. then they charge you for their services. Theres no phone attached etc. so you can't contact I contacted this company on or about april 14 to get my free credit scores. I filled in the blanks then after putting in all my information, they ask for your credit card info and you have to pay $1.00. I know thats not alot, but, free is free. Also, if your not careful you sign up for another service and $29.95 is deducted monthly from your account. When I called the other company concerning the reason for the deduction from my account, they asked me about credit karma, if I had been or their website. I explained what had happened and they said that it happens alot, people calling and stating they didn't sign up for the service with them. When I Asked if I could get a refund and to cancel my subscription, I was told didn't know if i could get a refund or not. I feel like Credit Karma should be liable for the return of all my funds.

Desired Settlement: I would like to get the $1.00 back as well as the $29.95 that the other company has deducted from my account.

Business Response: Initial Business Response /* (1000, 5, 2014/04/28) */ ******, I'm sorry to hear about this incident. I can assure you that Credit Karma never charges our members a single cent. It sounds like you may have started out on the Credit Karma site, but navigated away to another site that requested your credit card information. No where on the Credit Karma site do we ask for payment information - we simply don't need it. Contact your bank to find out where the charges originated. You'll need to contact the company that charged you to have your funds returned. Best, ******** G., Member Support Lead Initial Consumer Rebuttal /* (3000, 7, 2014/04/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) i APPRECIATE THE INFORMATION YOU GOT FROM CREDIT KARMA. BUT I STILL FIND THAT THE SITE IS VERY CONFUSING AND YOUR NOT AWARE YOU'VE MOVED FROM THEIR SITE. I'M OUT $29.95 BECAUSE OF THIS CREDIT KARMA. THE OTHER COMPANY REFUSES TO GIVE ME MY MONEY BACK BECAUSE I DIDN'T CONTACT THEM BEFORE THE TIME EXPIRED (WHICH I WAS UNAWARE THAT I HAD SIGNED UP). I WILL BE LETTING EVERYONE I KNOW ABOUT THE CONFUSION ON THIS SITE AND THAT YOU CAN'T TALK TO A REAL PERSON ETC. I STILL THINK THEY SHOULD PAY ME MY $29.95 BECAUSE YOU DON'T KNOW YOU'VE MOVED FROM THEIR SITE. Final Business Response /* (4000, 9, 2014/05/05) */ Hi ******, Again, I'm very sorry to hear about your negative experience and that you find our website to be soconfusing. We'll take your feedback into consideration. All member inquiries are responded to by real humans - via email. As a free service, that's the easiest way to respond to our 20+ million members. Since we did not bill you, we will not be refunding the charges from another website. Contact your bank to initiate a chargeback. This is the best way to have your funds returned.

5/15/2014 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Grade given for bill payment history is incorrect. Upon looking at the grades given in my credit report with Credit Karma, they have given me an "F" with regard to my payment history. This is untrue. Ever since I started working on my credit, I have made all of my payments on time. When I checked my credit score directly with Transunion, there is a substantial difference in my score and with what Credit Karma says my score is. My credit score with Transunion is 710, and I have maintained that score for a while now. I feel this is detrimental to the credit repair that I am doing. Also I do not see any of the credit cards that I have paid off and not used listed on my credit report with Credit Karma, which should increase my credit score. I feel that if you are going to do this for free, then you need to make sure you do it correctly. You can keep up with when I use my credit and give percentages that seem to be detrimental to my score, but not include the ones that are paid off. This is very troubling to me.

Desired Settlement: Correct my credit payment history grade and include my paid off credit cards to help increase my score.

Business Response: Initial Business Response /* (1000, 5, 2014/05/05) */ ******, The on-time payment percentage is calculated over seven years. However, recent behavior is weighted more heavily than payments made toward the beginning of that seven-year window. We do not include closed accounts in this calculation. The grades given in the Credit Report Card (https://******************************) are part of a system developed by Credit Karma to help you better understand the key components impacting your credit score. It's important to know that the grades do not affect your credit score; they're simply a comparison metric. Here's how they work: The letter grades are determined by averaging the scores of Credit Karma members within each range. This doesn't mean that all members with a "D" or an "F" in one particular metric will have a low credit score, but that *on average* members within that range have a lower credit score. Let me know if you have any questions about this. Initial Consumer Rebuttal /* (3000, 7, 2014/05/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) I don't understand why you are "averaging" the grades of Credit Karma members. All I am interested in is "my grade", not anyone else's grade to determine what my grade should be. All of these different formulas that credit reporting places are using are confusing. To me these are detrimental in helping someone want to show the initiative to improve there credit. When you work so hard to finally improve your credit and you are getting all of this different information and scores, it is very disheartening and confusing. You don't know who to trust or what to do in some cases. Some places pay attention to this, some places pay attention to that. Then you find out that just when you think you are doing good, something else is thrown in the mix to discourage you. I have found that my credit score is higher when I pay a certain amount per month than with the so-called "free credit reporting agencies". Also I saw on one website where you all are being investigated by the government. This really did not help with my decision to continue using you. I am so glad I have not paid anything to you for my score. Final Business Response /* (4000, 9, 2014/05/13) */ ******, I completely understand that this is very frustrating. We built our Credit Report Card product as a comparison tool to show you where you fall in terms of the average member of our site and to show you where you can make improvements based on that information. Ultimately, the Credit Report Card does not have any influence on your actual credit or credit score. Regarding including your paid off cards, the frequency of when updates are made to your credit report can vary by the credit bureau and the lender. In most cases, you can expect your creditors to report new balances, payment activity, credit limit changes, or late payment information every 30 days or once per billing cycle. For that reason, it is a good idea to check your credit score for accuracy at least once a month. I greatly appreciate your feedback about the Credit Report Card model and how it feels detrimental to the work you've put into your credit repair. I can understand that this would make anyone who has put in a significant amount of effort to feel discouraged. I can assure you that was not our intention and I will pass along this feedback to the appropriate departments. Final Consumer Response /* (2000, 11, 2014/05/15) */ (The consumer indicated he/she ACCEPTED the response from the business.)

5/15/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Why is my credit score so low. How can I remove credit cards that I do not use. N/A

Desired Settlement: N/A

Business Response: Initial Business Response /* (1000, 5, 2014/04/28) */ Dear *****, Sorry for all the confusion. All of the credit report information on Credit Karma comes straight from TransUnion, one of the three major credit bureaus. If you think there's something wrong with your credit information on Credit Karma, first get a current copy of your full TransUnion credit report at https://www.annualcreditreport.com/cra/index.jsp. To correct errors, you must file a dispute directly with TransUnion. You can do so here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page You can also find more information on the dispute process here: http://www.creditkarma.com/article/dispute-credit-report-errors Let me know if you have any more questions. Best, ********* O. Credit Karma

5/13/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: I have to complaints one with Credit Karma, but also with Springleaf and their branch in Sacramento called Promenade at Sacramento at **** N ******** Based upon the email sent to me I feel I was very miss led into thinking that I would qualify for a debt consolidation loan that was denied through the company they recommended. Karma sent me a descriptive email showing the amount of my debt and that is what made me feel confident. Upon applying for the Springleaf Lending made personal add going to this web sit applied, denied based upon what was said by ****** ******* who would not take time to spell name correctly manger **** ******* (not sure) miss leading information. First about credit scores from Experience, then by their underlining guidelines. We know first hand that our credit has greatly improved paying off debts, they made it sound like we had done nothing, nor did they care wanting to give us a loan we did not ask for. We bad it clear we wanted a consolidation loan to help with the last few debts. Karma Credit recommended Springleaf that directed me to Promenade At Sacramento, **** N ******* ***** ***** Sac, CA XXXXX Registry# XXXXXX. Very miss leading, and embarrassing to say the least thinking, we would get some help. The company was very demeaning, and cast me off saying in the end it had nothing to do with credit scores, but their underlining guidelines, so when I said, "you just do not like us." the phone was quite with no answer. They discriminated against me because of my age, a senior. I can tell if someone really cares. Very snob like attitude. I would not make a complaint, but I feel very miss led by both companies.

Desired Settlement: I am not sure of a settlement I just want these companies noted for their miss leading tactics and that now I have a ding on my credit report being denied. I would have never tried for a bill consolidation loan if I did not need one. I was asking for $7,000, but because I was on social security I was discriminated against this fact and because I did not have a newer car they could use as colloidal. I feel they where not honest in there decision,therefore patronizing in attitude I feel was because of age, and social statues and not for any other reason.

Business Response: Initial Business Response /* (1000, 5, 2014/04/25) */ Dear ******, Sorry for all of the confusion and frustration. Credit Karma can only give recommendations based on what others with similar credit to you have been approved for. Unfortunately, for further insight into the approval process, you will need to go to Springleaf. Again we do apologize for the confusion. Best, ********* O. Credit Karma Initial Consumer Rebuttal /* (3000, 7, 2014/04/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) THE REASON FOR NOT ACCEPTING YOUR APOLOGY IS BECAUSE OF WAY YOU PRESENTED THE "RECOMMENDATION" WAS MISS LEADING AND I WAS TREATED UNFAVORABLY BY SPRING LEAF AND FEEL YOU NEED TO KNOW MORE ABOUT A BUSINESS BEFORE IT IS RECOMMENDED> AND BESIDES I DID NOT ASK FOR ANY TYPE OF RECOMMENDATION IN THE FIRST PLACE SHOWING WHAT I NEEDED TO CONSOLIDATE THIS DEBT>I JUST WANT OTHERS TO KNOW SO THEY DO NOT BE MISLED AS I WAS HURTING MY CREDIT MORE BEING DENIED> Final Business Response /* (4000, 9, 2014/05/05) */ Hi ******, I understand your frustration. Thank you for your constructive feedback. I will forward your suggestion on to the appropriate person. Please let me know if you need anything else. Best, ********* O. Credit Karma Final Consumer Response /* (4200, 11, 2014/05/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) I feel this is a way to cover their mistakes. I do, however, realize that they are not seeing the bigger picture. I checked my credit, and the Springleaf company they recommended said I had a repossession on my report which was a complete lie. My scores according to the official sites of Trans Union, Equifax, and Experian are more accurate than Credit Karma. so if this company got these scores, and information from them I can see why they would not approve me for this consolidation loan I asked for in the first place

5/12/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Customer service rep will not reset my password without extracting additional personal information I logged into creditkarma.com one time and received my credit report. However, I forgot my password. I followed their instructions to have it reset, but never received an email instructing me how to do that as promised. I eventually sent an email to customer service. The rep replied that there are two accounts under my name; that if I supplied my full name and DOB, they will tell me which account is correct and delete the other. I replied with only my name and DOB because it didn't make sense that there are two accounts. Before asking for my password to be reset, I asked for my email address. I emailed them from that account which should be the only one on file. I replied with only my name, the other potential email address (another one I use sometimes) and only my year of birth indicating I feared something fraudulent. They have not yet replied.

Desired Settlement: I want my account closed and written confirmation that is has been closed along with written confirmation that my personal information has been removed from their site.

Business Response: Initial Business Response /* (1000, 5, 2014/04/14) */ Dear ********, I'm sorry for the confusion. After doing research for your account, I was unable to find any account that was associated with the email address that you have provided. Our team is following our security protocol by asking for your full date of birth. Unfortunately, without your entire date of birth, they will not be able to locate your account or cancel it for you. Please let us know if you have any further questions. Best, ********* O. Credit Karma Initial Consumer Rebuttal /* (3000, 7, 2014/04/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) In an email from the company with this message (4 days later), it provided an alternative of replacing my account by following the instructions in the email. I did that with the only two email addresses I have but the response was there is no account for me associated with either email address. This is the original issue I had which caused me to initiate this complaint. I only have two email accounts. When I asked for the account associated with my CreditKarma account, I was told it was ***************@yahoo.com When entering that email address earlier and now to replace my account the message is there is no such account. So, even though the email address came from you, there is no account associated with it? I got the same message when I enter the only other email account I have. This is what is troubling to me. However, despite all of this I complied with your request and provided my full name and full date of birth in the email because I understand the security issue. I expect to receive a reply email with replacement password instructions within 3 business days or this complaint with remain open and I will take other action available to me to resolve this. I also received an email asking about my satisfaction with your service. When I select the link, it goes no where. I have NEVER had so much difficulty with a website EVER. This is unacceptable. Final Business Response /* (4000, 9, 2014/04/25) */ Hi ********, Sorry for all of the confusion. Looks like your account has been accessed as recently as April 22nd and is currently running perfectly. If you have any other issues with your account, please let us know! Best, ********* ** Credit Karma

5/9/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Credit Karma has advertisements of lowering your interest rates on loans. Once completed application the terms are very different from ad. Credit Karma is a credit score tracking website that uses advertisements to pay them to advertise on their website. Blue Harbor is one that advertises and they stated, by the information from Credit Karma that I could save exact dollar amounts on my auto loan. The ad knows your year of the vehicle, the interest on your current loan, the amount of the payoff and how much you are paying each month. The ad gives exact interest rates, exact amount of the loan, your credit score, how much the new loan monthly payment will be and the vehicle (make, year and model). After the application process you call them, they tell you that they cannot give you the interest rate that was advertised. They do not have a rate at the advertised rate.

Desired Settlement: I want the advertised rate on a loan that I applied for and qualify for. 1.99%

Business Response: Initial Business Response /* (1000, 6, 2014/03/31) */ Dear Mr. ******, I'm sorry to hear about your experience with our Blue Harbor auto loan offer. The rates shown are only based off your credit score. The rate can vary when you apply on Blue Harbor's site. We state on the offer page that our offers don't account for factors like income, model year, and mileage, which can impact the final rate that Blue Harbor can give you. I apologize for the confusion. Sincerely, ********* N., Member Support Lead Initial Consumer Rebuttal /* (3000, 8, 2014/04/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not believe a rate should be advertised if you have the information that the rate is based on. On the Credit Karma website the model year is stated in the ad that gives a rate of 1.99%. The rate advertised should be for that model year on the ad. I want the loan for 1.99% as advertised. And as I qualify for. Final Business Response /* (4000, 10, 2014/04/25) */ Dear Mr. ******, We do not have all of the information that Blue Harbor uses to calculate a rate for you, which is why we only display a rate based off your credit score in our Offers section. I'm very sorry for the confusion. Unfortunately, we will not be able to help you get this rate with Blue Harbor, as we don't have influence over their lending decisions. Sincerely, ********* N., Member Support Lead Final Consumer Response /* (4200, 12, 2014/05/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) There is no confusion on this advertisement credit karma advertised. The advertisement was for my current loan with my current automobile. The advertisement stated very clearly and with no confusion that I qualified for a refinance loan and the interest rate would be 1.99%. That is very clearly stated in the advertisement. I have good to excellent credit history and the advertisement based the interest rate on what credit karma has on the website with my current automobile loan that is on the same page. If the company advertised incorrectly then I suggest you remove the ad. I have a screen capture of the exact advertisement.

5/7/2014 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Incorrect information how does this company calculate their information. they send me emails of one score and when I check the Transunion, Experian, Equifax and what credit karma reports is totally different from these establishments. is credit karma monitored by any government agency. how do they obtain their information and alter it from the original which is being reported daily by the 3 major bureaus.

Desired Settlement: credit karma provide their practice of calculating scores which are not based on Transunion, Experian or Equifax. the 3 bureaus have been contacted and informed me they do not give information to 3 parties to publish.

Business Response: Initial Business Response /* (1000, 5, 2014/04/28) */ ********, It's a common misconception that consumers have just one credit score. The reality is that you have dozens of different credit scores through each credit bureau, depending on the model being used. We do not calculate credit scores. We purchase the scores provided on our site directly from TransUnion. We prominently display the New Account score model and the Vantage Score model. I apologize if you were given incorrect information by a TransUnion representative. They are a very large company and not all representatives may be aware of all partnerships. We do not alter the data we receive. To do so would be illegal and unethical. Let me know if you have further concerns, I'd be happy to address them. Initial Consumer Rebuttal /* (3000, 7, 2014/04/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have information which disputes the answer Credit Karma has given. They may purchase the information from Transunion as they stated but somehow the information definitely becomes altered when Credit Karma posts their information. Again, how do they go from what they supposedly purchase from Transunion (which again states they do not sell any information to third parties to publish publicly) to the scores they publish on their website. How does, for example, a person with a 643 score with Transunion end up with a score of 581 when the information is published through Credit Karma - where is the change in information coming from with Credit Karma? Final Business Response /* (4000, 9, 2014/05/05) */ Hi ********, It's a common misconception that each consumer has one true credit score. The reality is that you have dozens of scores from each bureau. On our website, you can find your New Accounts score, VantageScore, home insurance score, and auto insurance score. All of these scores use their own formulas which weight certain factors differently. Your VantageScore is presently 668 on Credit Karma. The VantageScore has a range of 501 to 990, whereas the New Account Score has a range of 300 to 850. Hopefully this illustrates why there can be such a large variation in scores, and it is crucial to compare the same score model. The document you attached didn't specify which TransUnion score it was providing. I suggest finding out which score model shows a 683. Sincerely, ******** G, MS Lead Final Consumer Response /* (4200, 11, 2014/05/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) No I am not going back and forth with these people. Their information changed and they have no explanation except skipping around the subject. If I buy a red dress from Saks Fifth Avenue and once I get the dress home it has turned blue there is a problem. If no one is monitoring Credit Karma perhaps the Attorney General in their state should take a look at their practices. You cannot say you are buying or purchasing information for one company and once that information is published by Credit Karma it changes. There is no explanation for this and Credit Karma has not provided one. The BBB cannot provide an answer so where does a consumer go to find answers COURT!

5/6/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: I was transferred to a pay for site automatically. I was charged 29.95 for something I did not want! Because credit Karma is said to be free I did not expect them to automatically send me to a charging site!!!!! I believe this to be a legal way to steal from people!!!!! If you are expecting them to be free, you do not read the fine print. This Score sense tried three times to take this from my account twice was turned a way for insufficient funds. So as soon as there was just enough to get their 29.95 they took it leaving me with nothing to get thru to the end of the month. I want my 29.95 back!!!!! Because they said they emailed me that I had seven days to cancel and I did not cancel, that gave them the right to take this money from me. I did not know I signed up for this site so even if I got the email I would have canceled it be cause it was not something I knew anything about. Before any site is going to automatically send you some where else there should be a big red stop sign and alert a person they are being transferred to another site that may charge you!!!!!!!!!!!!

Desired Settlement: Since Score sense does not think they have to refund my money then I think credit Karma should!

Business Response: Initial Business Response /* (1000, 5, 2014/05/02) */ *****, I'm sorry to hear about this incident. I can assure you that Credit Karma never charges our members a single cent. It sounds like you may have started out on the Credit Karma site, but navigated away to another site that requested your credit card information, ScoreSense. No where on the Credit Karma site do we ask for payment information - we simply don't need it. To address your concerns, I'd like to specify that we do not automatically send consumers to another site. We want consumers to visit and enjoy our site and resources. However, there is no way for us to prevent you from navigating away from our website. Contact your bank to inquire about initiating a chargeback. This is your best course of action for having your funds returned. Sincerely, ******** G., Member Support Lead Credit Karma, Inc. Initial Consumer Rebuttal /* (2000, 7, 2014/05/06) */ (The consumer indicated he/she ACCEPTED the response from the business.) I appreciate the effort of BBB to look into my complaint and the response from credit karma. I do not know how I navigated away from their site, but I must have done some thing wrong. Thanks you for your help.

5/2/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I have an account with Credit Karma which is locked and I am unable to access my email to unlock it. I have an account with Credit Karma. I no longer have access to the email address listed on the account. I forgot my password and it was reset, sending the new password to an email address that no longer exists. I want my email address changed in their system and the password reset. They will only send me a generic email response on how to reset my password, which obviously wont help, because I can't access the email address that the new password is sent to. I have tried creating a new account using my new email address, but Credit Karma says that I am already signed up (with my outdated email address). I have asked to speak to a customer service rep repeatedly, but only get a generic response on how to reset my password. Again, simply resetting my password will not help because the email address on file no longer exists.

Desired Settlement: I simply want access to my account. I want my account to list my current email address.

Business Response: Initial Business Response /* (1000, 5, 2014/04/16) */ Dear Mr. *********, I apologize for the confusion, and I'd be happy to help you access your account. I see that you have corresponded with a support specialist and she provided you with the appropriate instructions for updating your email address. I have included them below: 1) Please provide your old email address, new email address and a copy (please do not send original documents) of identification from the list below. The identification you provide must be valid (expired forms **** not be accepted). Drivers License or State ID Passport * Green Card /Temporary Resident Card Birth Certificate 2) Mail your documents to the following address via postal mail: Credit Karma, Inc. Attn: Member Support **** *** *** San Francisco, CA XXXXX-XXXX Once I receive these documents, I can update your account for you. We have not received mail from you yet. Sincerely, ********* N., Member Support Lead

4/30/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Spam I went to the site to obtain my "free" credit score and I only got as far as my email address when it began telling me that I was entering my email address wrong (I'm certain I didn't forget it in one page). Since going onto this site I have been receiving Spam emails 10 or more PER DAY...

Desired Settlement: I would like them to follow through on their promise to give people their "free" credit report. I feel that they draw you in and then sell your email to Spam sites

Business Response: Initial Business Response /* (1000, 5, 2014/04/10) */ Dear *********, The information you're using to register doesn't match the information TransUnion is giving us. Credit bureau information can vary among the three credit bureaus. If you haven't already, try registering with the following information: -Any past names you've had (maiden name, initials used for names) -Former addresses I also recommend checking your full credit report at *************************** to see what information TransUnion has on record for you, then changing your information and trying to register again. Please let me know if you have any other questions. Best, ********* O. Credit Karma

4/30/2014 Problems with Product/Service | Read Complaint Details
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Complaint: on credit report shows i have three capital one one accounts & i have two the one that doeen;t belong balance $958. not my account explained above paragraph

Desired Settlement: just want account removed from credit history

Business Response: Initial Business Response /* (1000, 5, 2014/04/11) */ Dear Ms. *******, All of the credit report information on Credit Karma comes straight from TransUnion, one of the three major credit bureaus. We only display the information TransUnion gives us, and we are unable to manually remove accounts from your profile. If you think there's something wrong with your credit information on Credit Karma, first get a current copy of your full TransUnion credit report at https://****************************************. To correct errors, you must file a dispute directly with TransUnion. You can do so here: http://*********************************************************************** You can also find more information on the dispute process here: http://******************************************************** If you have any more questions, feel free to email us at *******@creditkarma.com. Sincerely, ********* N., Member Support Lead Initial Consumer Rebuttal /* (3000, 7, 2014/04/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) Credit karma says I have three capital one account &u have two the one that's not mine they say I owe $958. Not my account please fix Final Business Response /* (4000, 9, 2014/04/25) */ Dear Ms. *******, Because we only display the credit report information TransUnion sends us, we cannot delete two of these Capital One accounts for you. Only TransUnion can correct errors on your credit report. You can contact them to file a dispute here: http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page Sincerely, ********* *** Member Support Lead Final Consumer Response /* (4200, 11, 2014/04/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) Can't get capital one account with balance $958. Dismissed. & not my account other two capital account. R mine

4/30/2014 Delivery Issues
4/28/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Collects info to mail fraudulent settlement collection offers for invalid debts.Same business name on mailing is @ bottom of website creditkarma.com. Collect users' info to then send fraudulent collection mailings offering to settle invalid/nonexistent debts. I've received 2 of these since registering with creditkarma.com. I have thrown out the envelope, and cannot remember the name of business on the envelopes. When I went to creditkarma.com to dispute the imaginary debts, I noticed the same business name as on the collection envelopes. I think it starts with an M. Now I have deleted my account and cannot see it on the non-member home page.

Desired Settlement: Cease and desist immediately. Remove me from your fraud mailing list.

Business Response: Initial Business Response /* (1000, 5, 2014/04/10) */ ****, I'm sorry for the confusion. Credit Karma does not sell or rent the personal information belonging to our members, and would never communicate via postal mail. Since we don't maintain any kind of postal mailing list, I can't assist you with this. You'll need to contact the company that is sending you mail. Your most recent TransUnion credit report indicates an open collections account through Mars Inc, on behalf of an apartment complex. If you don't believe this account is valid, you will need to initiate a dispute through the credit bureau to have it removed. Sincerely, ******** G., Member Support Lead

4/25/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: wrong score. Went to this website to pull a free credit report twice was told my score the first time was 630 so I went to the bank to get a auto loan they pulled my credit from three credit companys to only find out my score was between 580s to 598 not the 630. So I called kredit karma they said companys use different systems to determine score I said ok. Today I pulled my report from kredit karma for it to say 677 pulled from three other companies to find out I was 598. They are providing false numbers. I do not think that is right or legal.

Desired Settlement: Them to provide the right credit score. Not false numbers.

Business Response: Initial Business Response /* (1000, 5, 2014/04/08) */ Dear ****, Credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. Each credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. Please let us know if you have any other questions. Best, ********* O. Credit Karma

4/24/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: My email was 'signed up' for this service without my authorization. My credit information/identity may have been stolen and provider does not rectify. My email was 'signed up' for this service without my authorization. My credit information/identity may have been stolen and provider does not rectify. Creditkarma.com does not reply to confirm or deny that my Social Security number has been used, I received a welcome email and a 'thank you for activating' email addressed to me at my email but have not been able to deactivate, login, or reach anyone at this alleged provider. I do not use second party credit services, ever.

Desired Settlement: I require validation from the provider that my complaint has been fully addressed and legal verification *in writing* that my social has not been used, nor has my mailing address, date of birth, or other miscellaneous personal information involved in identity theft.

Business Response: Initial Business Response /* (1000, 5, 2014/04/08) */ Hi *****, We removed your email address from our database as soon as you contacted us and you will not receive any further emails from Credit Karma. Your email address was mistakenly entered by another member who made a typo during registration. We didn't receive any further correspondence from you after our initial reply so we were unable to confirm via email that the personal information registered to Credit Karma in no way matches your own. Again, the information you submitted to the BBB in your complaint in no way matches the personal information used to create a Credit Karma account. It's not unusual for member to make a typo when entering their email address - which is why we send a confirmation email. I apologize for the confusion, and would like to reassure you again that we have removed your email address from our database. Sincerely, ******** G., Member Support Specialist

4/23/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: Information on report is inaccurate. It is showing collections that have been removed and outdated from my tran sunion report. Sent email and tried to contact at ************ and there was no response. The collections they show on my credit report have been confirmed by transunion that is no longer on my report. Transunion have also sent out another report to confirm that is was properly removed on dates indicated. They have no idea why credit karma is reported it on their end.

Desired Settlement: updated information and must stay updated if they are going to service consumers.

Business Response: Initial Business Response /* (1000, 5, 2014/04/04) */ Hi ******, Our records indicate that you presently have six open accounts in collection. This data comes directly from TransUnion. When you initially created your account in 2012, there were 16 accounts in collection. We have consistently updated your account whenever you log in to reflect TransUnion's records. If any of the six accounts presently marked open were recently closed, it could take one month for our records to be updated to reflect this. I do apologize for the delay, but your creditors typically send updates once per month to the credit bureau. We're happy to update your account as soon as we receive the data, but I've verified our current display matches your credit report as of 4/4/14. Sincerely, ******** *., Member Support Lead

4/17/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: Report is inaccurate. They claim to get information from Transunion, but when I pulled report from TU it was 100 points higher than what they claim. I went on their site to pull my credit report. The score seemed very low. I then contacted two credit reporting agencies, one of which they claim to get their report from. Both other agencies have my report 100 points higher than what Credit Karma. Credit Karma claims to get their report from TransUnion. When I pulled my TransUnion report it was 725 and Credit Karma was 630. I would like to know where they are truly getting their info from. I have worked very hard to have a high credit report and I feel they are ruining my credit. I want them to not have any access what-so-ever regarding my account. And I want to file a complaint against them so others do not have the same problem. Acct: **********@yahoo.com. Last four of SS# ****

Desired Settlement: I would like to have my account removed from them.

Business Response: Initial Business Response /* (1000, 5, 2014/04/04) */ Dear Ms. ********, I see that a member support specialist assisted you on March 27th and you have canceled your membership. All of our credit scores come from TransUnion. Credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. So there is no one single credit score. We're sad to see you go. Sincerely, ********* *., Member Support Lead Initial Consumer Rebuttal /* (3000, 7, 2014/04/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) I stated that I pulled my credit report directly fromTransUnion and it stated my credit score was 725 NOT the 630 score they claim to be getting from the SAME credit agency. I knowcredit scores can be different between different agencies but not from the same agency. They don't seem to understand that. That is the complaint I have. This whole ordeal is questioning their authenticity. Are they just taking peoples info to use peoples identity. I now have had to enroll in all 3 credit agencies to keep track of my credit to make sure nothing fraudulent is happening Final Business Response /* (4000, 9, 2014/04/16) */ Dear Ms. ********, I understand that you also pulled your score directly from TransUnion. The same credit bureau can still give you several scores. Each credit bureau uses many scoring models and can calculate your score differently depending on the institution requesting them. A bank can give you one score from TransUnion and then a car dealership can give you another from TransUnion because each institution weighs a range of factors differently. We use the TransUnion New Account score model. I hope this clears up some of this confusion. Sincerely, ********* N., Member Support Lead Final Consumer Response /* (2000, 11, 2014/04/17) */ (The consumer indicated he/she ACCEPTED the response from the business.)

4/15/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Lowering our FICA Score; misrepresent report for RGFCU; No reply upon inquiring their reason for falsely reporting. We paid in full a mortgage co loan, RGFCU, 2 weeks ago in process of repairing our FICA. It went from 634 to 621 as they reported an outstanding balance for RGFCU and a closed account. RGFCU maintains correctly reporting it to Equifax and cannot answer the reason for the lowering of our score by CreditKarma.

Desired Settlement: We would like a reply as to the basis of their report and a contact phone number to discuss this. We have written three emails and no reply from them.

Business Response: Initial Business Response /* (1000, 5, 2014/03/31) */ Dear Ms. *****, I see that we have been corresponding with you since you emailed us on March 24th. We did not find any previous emails from you associated with that email address. When a loan is paid off, it is reported as a closed account. We don't receive information on why an account has been closed, so we don't show a payment status. We can only list it as a closed account. The balance listed represents the last balance reported to us by TransUnion before it was reported as closed. This may not be your final balance. I have verified that you have a $0 balance on this closed account. I apologize for the confusion. Credit scores can drop for many reasons. You can read more about common reasons that scores drop on our blog: http://blog.creditkarma.com/credit-101/credit-scores/why-did-my-credit-score-drop/. We don't calculate your score, as it comes straight from TransUnion, so we can't tell you exactly why it dropped. If you have any questions about this, feel free to call TransUnion at XXX-XXX-XXXX. Sincerely, ********* N., Member Support Lead Initial Consumer Rebuttal /* (3000, 7, 2014/04/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) No Thank you for the apology but we do not accept until Credit Karma corrects the error for the balance showing on a paid in full credit union loan in February, 2014. We are raising our credit scores, thank you, being aware of and taking steps to adjust false reports. It goes up. April 2, I just got off the phone with TransUnion who show a $0 and Personal Loan Acct Closed due to a load PD IN FULL as of Feb 18, 2014. This is accurately reported by this credit union and Equifax, as well. Why then, April 2, is your site still reporting toward our FICA with a balance for that loan pay off? Please write again when you have corrected this error in reporting at Credit Karma. We welcomed the free look into our score and information and I suppose there are a few bugs. Final Business Response /* (4000, 9, 2014/04/11) */ Dear Ms. *****, The balance listed in this notification is meant to show you the last amount reported to us by TransUnion before this account was closed with a $0 balance. We are not saying that your account was closed with an unpaid balance. I assure you that we do not report any information that impacts your score. We only show you information on your private profile. Notifications are only designed to alert you to changes in your credit report. We cannot manually edit them or delete them, but they have zero impact on the accuracy of your credit score. I understand that this notification is confusing and will pass on your feedback to our product team. Sincerely, ********* N., Member Support Lead Final Consumer Response /* (2000, 11, 2014/04/15) */ (The consumer indicated he/she ACCEPTED the response from the business.) I understand your position and the changes take place over time. I don't understand when the balance will show 0. I appreciate your explanation and concern to pass on to the product team to lessen confusion and your understanding in this matter. I believe this misunderstanding is resolved. Thank you for your prompt and courteous attention. Best wishes, ****** *****

4/15/2014 Guarantee/Warranty Issues | Read Complaint Details
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Additional Notes

Complaint: They have false information on my credit report. They show a student loan with no payments made and the original full amount still owed. The payments made were more than the amount required. This false information is effecting my credit rating/score which I am trying to build up. The California Attorney General's Office was also sent a complaint about this issue.

Desired Settlement: Contact the account holder on my student loan and correct the error(s) within 24 hours of receiving notice from either the BBB or the Attorney General's Office, but no longer than 30 days of this complaint. Notify my via email when the correction(s) has been made.

Business Response: Initial Business Response /* (1000, 5, 2014/03/07) */ Hi *****, I am sorry for all the confusion. Unfortunately, Credit Karma is not able to make any changes to your credit report. This information is sent to us straight from one of the three major credit bureaus, TransUnion. I know this is frustrating, but only TransUnion can change your credit report. If you have any questions about this, please call TransUnion at XXX-XXX-XXXX. Let us know if you have any other questions! Best, ********* O. Credit Karma Initial Consumer Rebuttal /* (3000, 7, 2014/03/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) Credit Karma has a responsibility to verify that the information they post in their report is correct. In this case they did not verify any information. I believe under the law they can be held liable for posting false information. At the time I filed a complaint with the BBB I also filed a complaint with the California Attorney General as well as the U.S. Attorney General. Final Business Response /* (4000, 9, 2014/03/20) */ Dear *****, I am sorry for all the frustration. Sometimes information will not be immediately updated as the lender shares this information with TransUnion and then that information is sent to Credit Karma. All changes to your report must be done through TransUnion. We apologize that we can not give further resolution to this matter, but as Credit Karma is not a credit bureau, we are not permitted to make changes to a credit report. Please let us know if we can help you further. Best, ********* ** Credit Karma Final Consumer Response /* (4200, 11, 2014/03/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) Credit Karma is obligated to provide CORRECT information. Trans Union was notified of the change. It is up to Credit Karma to contact Trans Union to verify any change in my credit report, it is obvious they have not verify my information or do they want to as this may prove that they are incompetent.

4/14/2014 Problems with Product/Service | Read Complaint Details
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Complaint: This company will not allow me to register because my social security number is registered to someone elses email. After attempting to register with credit karma, they stated on their website that my information is registered to another user. This is my personal information which no one else should have access to and they NEVER replied to my numerous emails to rectify this situation. At this point this is fraud/identity theft that this company is supporting allowing other people to view and use personal social security numbers.

Desired Settlement: I am seeking to remove all registered users that have used my information as well as the names and email addresses of all that have used my information in order to report this to the FBI as well as the local authorities.

Business Response: Initial Business Response /* (1000, 5, 2014/03/27) */ *******, I'm very sorry to hear that our website was used in this way. We strive to provide a useful credit resource for our members, and unfortunately, sometimes this is used fraudulently. I can see that you've already been working with two of our Member Support Specialists. The account in question was suspended immediately and your personal information cannot be retrieved by anyone. The email responses we sent were dated March 20th and March 21st. We're happy to help the authorities investigating your case in any way we can. In order to create this Credit Karma account, someone had knowledge of your very sensitive personal information and credit history. For this reason, we suggest taking additional measures to protect your identity. Before we can grant access to this account, we'll need to verify your identity. This process was outlined in the email we sent to <****@mobilesounddepot.com> on March 21st. Let me know if you have any further questions. Sincerely, ******** G., Member Support Lead Initial Consumer Rebuttal /* (3000, 7, 2014/03/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) The response that I received via email from Credit Karma was that my information was/is suspended for 6 months. However, I have seen many complaints from people on the website as well as BBB complaints that are having the same issue. I would advise Credit Karma to take further steps to assure that this does not happen by including a credit verification process. For example multiple choice questions on recent credit history. I don't want any suspension, I want complete termination of my information from this company. If this is not possible I would like a lifetime block/verification on my information with this company. Thank you, ******* ******* Final Business Response /* (4000, 9, 2014/04/02) */ Hi *******, Sorry for the confusion. When an account is flagged for possible fraudulent activity, it is suspended permanently, unless we receive verification of the member's identification. If you would like the account to remain suspended permanently, no further action is required. Additionally, we do use an identity verification process that includes multiple choice questions pertaining to credit history. Since the person who created an account in your name had knowledge of your social security number and your recent credit history, we always suggest taking additional measures to protect your identity and credit. Please let me know if you need additional clarification, I'd be happy to address any other concerns you may have.

4/14/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: creditkarma advertises that the NEVER ask for your credit card but that is exactly what they do at the end of filling out the information form. I wanted to get my score without giving my credit card information but they DO require a credit card.

Desired Settlement: I want my FREE credit score WITHOUT using my credit card just like they advertise.

Business Response: Initial Business Response /* (1000, 5, 2014/03/27) */ Dear Ms. ****** I apologize for the confusion. I think you might be referring to a different site. Please make sure you're visiting https://www.creditkarma.com. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma it's entirely free to become a member! It appears that you already have a registered free membership with us. If you need assistance recovering this account, please email us at *******@creditkarma.com Sincerely, ********* N., Member Support Lead

4/10/2014 Problems with Product/Service | Read Complaint Details
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Complaint: This website has no contact information so how can I ask questions or learn to fix my credit. I have heard so much about credit karma being free that I decided to check it out. I input all my information and up popped a credit score. As I was reviewing this information there was an account in collections I had a question about. The first red flag was there was no number available on this site to contact anyone about my credit questions. As I was looking around the site I saw we had to call Transunion to answer all questions, even then there was no number. I had to actually look up Transunion and find the number on my own. I called the number provided and the gentlemen proceeded to ask me more personal questions. Thinking this is a legit site I gave the information and now I regret it. At the end of this conversation the man said I can't pull up your account and I need you to send me a copy of your bank statement, social security card and a copy of my driver licenses in the mail. I asked why he needed that information and he said to update my account. I explained to the man I was looking at my account on the screen in front of me and all the information was updated. I refuse to send the documents he requested and he became very rude. This makes me feel the site is a scam and I would like all my information removed and my account deleted.

Desired Settlement: I want all my information removed from their site and my account deleted. This includes my e-mail address!

Business Response: Initial Business Response /* (1000, 5, 2014/04/08) */ Dear *********, I understand that you are disappointed Credit Karma does not provide telephone support. As a free service, the most efficient way to provide answers to our more than 20 million members is via email. We reply to all emails we receive promptly. Our small team receives thousands of questions per day and email is the best way to make sure that all questions are answered in the order they are received. With that being said, I'm not sure what number you called to discuss your credit report. It is not a number related to Credit Karma, but I still am disappointed to hear that the person you spoke to was rude and unhelpful. Please don't let this reflect on your view of Credit Karma as this person was not employed by or affiliated with us in any way. Per your request, we've closed your account. Please let me know if you have any further concerns, and I will be happy to address them. Sincerely, ******** G., Member Support Lead Initial Consumer Rebuttal /* (2000, 7, 2014/04/10) */ (The consumer indicated he/she ACCEPTED the response from the business.)

4/9/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: Credit information from Credit Karma different that that available through TranUnion... the supposed supplier to Credit Karma .. Have contacted Credit Karma a number of time on this issue and exchanged many e-mail requesting further personal information "*******, Feb 27 12:18: The credit information you see is taken straight from the credit report that TransUnion sends to us. Credit Karma is not a credit bureau. We simply put the credit information that is given to us in a format that is easier to understand. Because of this, we are unable to edit the information you see on Credit Karma. I understand that this is frustrating, but only TransUnion can make changes to your credit report."

Desired Settlement: Credit Karma obtained the information originally and should attempt to have it corrected !

Business Response: Initial Business Response /* (1000, 5, 2014/03/07) */ Dear Mr. ********, Thank you for contacting us. I see that you continued corresponding with one of our specialists after you filed this complaint, and that your membership has been canceled. It's possible that we were receiving the wrong information from TransUnion, which is why our specialist requested that you fax us copies of Identification so we could check our records and take the appropriate action if this was an error on our part. I'm sorry we were not able to verify this information for you before you chose to cancel your membership. Sincerely, ********* N., Member Support Lead Initial Consumer Rebuttal /* (3000, 7, 2014/03/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) This issue has been going on for nearly a year ... Previously Credit Karma specialist asked for all my personal data to verify report with trans union ... The site continued to contain incorrect information and every time I asked about it I would simply get the flippant reply that they only use data TransUnion furnishes. I then requested a copy of my report from TransUnion to see for myself what TransUnion had. Here is where the latest series of exchanges began... Again Credit Karma seems to made no attempt to also verify TransUnion data. To remove this hassle from my life with the apparent unwillingness on their part to correct the issue I simply cancel my account... At least anyone that might use Credit Karma data would not be exposed to incorrect information ! This response was the first and only time that Credit Karma indicated "It's possible that we were receiving the wrong information from TransUnion" Had they indicated that before and attempted to re-verify TransUnion date. All 3 Credit Bureau provide the exact same information ... it is obvious the between there and web site publishing Credit Karma personnel mad an error ... Reading various blogs I am not the only one that has experienced this type of error ...The pubic needs to use caution relying on Credit Karma information ... It's just as easy to contact the various Credit Bureaus and get a free report annually ... No need to join Credit Karma.. and the information will be accurate !! Final Business Response /* (4000, 9, 2014/03/17) */ Dear Mr. ********, On March 3rd, one of our specialists stated that they needed to verify additional information from you, but you did not provide this information. A different specialist also requested this information from you in January which you acknowledged, but we never received a fax from you. I apologize it wasn't clearer why we needed this information, and we'll work to make this process clearer in the future. Sincerely, ********* N., Member Support Lead Final Consumer Response /* (4200, 11, 2014/03/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) The response is a blatant lie ... Twice during 2013 I furnished all the information requested and nothing ever materialized from those efforts... Again in October / November I brought the issue to their attention again ... after a number of exchanges informing me that the information on the site cane directly from TransUnion, I obtained a report from all 3 major credit bureaus... TransUnion agreed with the other two and entirely different than the information on Credit Karma ... I have since cancelled my account so that incorrect and inaugurate information is not out... Other subscribers to Credit Karma should be so advised ... If they were not handling sensitive credit data their sloppy work practices might be more acceptable !!The site is truly an oportunity to husstle credit concerned consumers to various credit card deals ... Shame, Shame Shame !

4/7/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Can't get answer on how to fix account so I can access. Account does not work right. Sent email was told to re-register, can't says duplicate. Requested to make changes says would send email. Did not receive any email. Cannot make new account nor can I NOW get into my old one. No phone numbers to talk to human and not getting right information from support staff thru email. They have my information now and I can't even get into my account.

Desired Settlement: Help me fix it.

Business Response: Initial Business Response /* (1000, 5, 2014/03/20) */ Dear Mr. ******, I apologize for the inconvenience. I see that the support specialist assisting you successfully got you into your account on March 14th. Thanks for your patience. Sincerely, ********* N., Member Support Lead

4/3/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: I WENT ON CREDIT KARMA TO SEE MY REPORT AND SCORE BUT I DICOVERED AFTER I SIGNED IN WITH MY INFO THERE WAS IS A COMPANY CALLED GECRB L/T G E A CREDIT COMPANY THAT WORKS WITH TARGET WALLMART JC PENNY I DID NOT SIGN WITH THIS COMPANY FOR A 299 CERDIT CARD THEIR NUMBER IS ************** I THINK PEOPLE SIGN ON TO CREDIT KARMA AND THEN THEY PUT THE COMPANY ON YOUR REPORT THEN YOU GIVE THESE PEOPLE YOUR INFO AND THAT HOW THE BREECH HAPPEN WITH ALL THESE CREDIT CARDS I HAD TO GIVE THE LADY FROM GE MY SS AND DATE OF BIRTH SO SHE COULD CHECK THEN SHE TOLD ME I HAVE NO CREDIT CARD WITH THEM THERE IS A LINK TO THEM AND ALL OF THIS ITS A SCHEEM YOU NEED TO CHECK HOW MANY PEOPLE THIS HAPPEND TO THATS PROBABLY HOWTHEY GOT THE INFO CREDIT KARMA NEEDS TO BE CHECKED OUT NOTHING IF FREE THEY ARE DOING THIS SMARTLY WHY THIS GECRB JUST SUDDENLY POP UP ON MY CREDIT REPORT THEY WOULD THAT THEY HAVE NOTHING TO DO WITH IT BUT NOW THAT PERSON HAVE MY INFO PLEASE HELP THANK YOU

Desired Settlement: RESTORE MY INFO AND GET CREDIT KARMA THEYRE SCHEEMING AND THE GECRB COMPANY

Business Response: Initial Business Response /* (1000, 5, 2014/02/21) */ Dear Ms. *****, I apologize for the confusion. We do not send any of your personal information to financial institutions, so they can place accounts on your credit report. Your profile lists this credit card because it is being reported to TransUnion, one of the three major credit bureaus. All of the credit report information on Credit Karma comes straight from TransUnion. If you think there's something wrong with your credit information on Credit Karma, first get a current copy of your full TransUnion credit report at https://****************************************. To correct errors, you must file a dispute directly with TransUnion. You can do so here: http://*********************************************************************** You can also find more information on the dispute process here: http://******************************************************** Please feel free to email *********************** if you have any more questions. Sincerely, ********* *., Member Support Lead Initial Consumer Rebuttal /* (3000, 7, 2014/02/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) Because it was not there before untill I signed with them they have connections with the he company they need to be investigated it was not on my report and if you check the website you will see other people complaints these people are scheming other people reported the same problem I have asked them remove me from their data bank this creditkarma has something going on with the he company where they put you on the account and then you get nervous and buy into their protection plans and so fourth they're scheming just from what I saw happening on my account with them nothing is free they're selling you silently under the table. Final Business Response /* (4000, 9, 2014/03/04) */ Dear Ms. *****, I hope to put your concerns to rest. We are a legitimate and honest website whose mission is simply to provide financial information and tools to everyone free of charge. Credit Karma has been featured on The Wall Street Journal, USA Today, CNN, and a multitude of other sites. We do not have a partnership with GE Capital Retail Bank to encourage members to sign up for their protection plans. I have reviewed your credit file and we were only displaying this GECRB account because TransUnion sent us data for it. We put the credit information that is given to us into a format that is easier to understand. I see that a specialist deactivated your account at your request last week. I hope you will consider using our site in the future. Sincerely, ********* *., Member Support Lead Final Consumer Response /* (4200, 11, 2014/03/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) Credit karma you're trying to cover your dirty tricks I'm not the only one whohave experience thisfr when you sign there's no way to sign out people should have the option to delete the account on their own they make hard for the customer and no one else put the ge company on my account they did and I want the world to know they should not be trusted they're scaming the public I'm not the only person check the website.

4/2/2014 Problems with Product/Service | Read Complaint Details
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Complaint: False credit karma advertising free services...unethical consumer lure in by their affiliate Score Sense...clause not directly with payments options Hello, I'd like to add to my complaint against Score Sense a complaint against Credit Karma, Inc. which I now realize are affiliates. Credit Karma, Inc has nationwide TV commercials that criticize other companies for tricking consumers by claiming their services are free, yet they charge for obtaining credit scores. Credit Karma, Inc. also boasts about providing scores to consumers free of charge...they LIE and falsely advertise. In my initial complaint against Score Sense, I did not associate them with Credit Karma, as I was confused that the charges on my bank statement were associated with additional order of credit reports from the 3 major bureaus. However, I have since gone back to Credit Karma and became clear on what's going on. I have since realized that Score Sense is directly associated with the supposed free services of Credit Karma. When requesting my scores from Credit Karma the company that falsely boasts about providing credit scores for free, I was charged a $1 administrative fee, and I did not mind that. However, in going back I notice outside the payment box and obscured by a dull gray background, Score Sense's pitch on Credit Karma's website locking consumers into automatic deductions of $29 per month for credit monitoring if they do not cancel in 7 days. This practice is deceitful and unethical; the false advertising by Credit Karma and little gray box with Score Sense forcing people into something they did not request. Credit Karma is the primary company that lures consumers in, therefore the initial perpetrators of the deceitful tactic, and yes I am angry about this. As stated previously I earn less than $50,000 a year, am helping raise my grandchildren and at 52 years old trying to become a first time home buyer, it is horrible that businesses can just take money from my back account that I did not ask for or authorize, through these latest unethical, corporate tactics. Credit Karma owes me $59.90 and I want and need my money back. I didn't even notice the January theft of $29.95 from my account, because I had recently charged something at a similar price. Thanks again for your time. ***** ******

Desired Settlement: I am seeking compensation for two charges of $29.95 (1/22/14 and 2/24/14) from my bank account; a total of $59.90

Business Response: Initial Business Response /* (1000, 5, 2014/03/17) */ *****, I'm really sorry to hear about this mix up. It sounds like you navigated away from www.CreditKarma.com and to www.scoresense.com, and gave them your billing information. We can't refund this to you because we did not charge you in any way. We are not the same company, nor are we related. We believe that everyone should have free access to their credit score. We never charge our members and don't collect payment information, because we just don't need it. Our website is supported entirely by advertising. You've actually been a Credit Karma member since 2011, and we have never charged you in any way. If ScoreSense still refuses to return your money, you'll need to work with your bank to initiate a chargeback. Please let me know if you have further questions about Credit Karma or the services we provide. Sincerely, ******** G., Member Support Lead Credit Karma, Inc.

4/2/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: The website has a charge on my credit report that they will not remove from my account. NO other creditor has this charge but them. 2009-BURNS/CARLIS in the amount of $90.00. This charge no one has on record. The collection agency no longer exists and the creditor has no record of this bill. I have emailed CreditKarma several times to remove this and still they have yet to do so. At first they said they did but then I looked up my account and I still see it on there. I have contacted TransUnion as well as that is who they say they get their reports directly from and according to Trans they have no record of this charge either.

Desired Settlement: Want this off my credit report with CreditKarma

Business Response: Initial Business Response /* (1000, 5, 2014/03/13) */ Dear Ms. *****, I see that you have been corresponding with a member support specialist. I would be happy to address your latest questions and the issue you've raised in this complaint. What you are looking at is a notification about an account that was reported as going into collections in September 2013. This item is not meant to reflect your current report information and will not affect the accuracy of your score or information. Your Credit Karma profile is not visible to financial institutions and will not keep you from purchasing any real estate. This notification is listed in your Credit Report Activity (https://www.creditkarma.com/myfinances/score/index/scrollToId/cra), which is designed to show you the history of changes to your credit report. That's why you'll see old information in this section, even if this information has been removed from your report. We cannot manually remove old notifications, but we are working with our product team to improve this feature. You can see on your Derogatory Marks page (https://www.creditkarma.com/myfinances/derogatorymarks) that we are listing one open account in collection. This page is where you can find your most up-to-date report information. Sincerely, ********* N., Member Support Lead

3/28/2014 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: I have been trying to get credit karma to remove a listing that drops my score and trainsunion told them 15 time to remove it and they never did. I have posted e-mails to this companey credit karma that stuff they have on the listing that drops my credit score, that transunion told them 15 times to have removed and they still have not two this day 2 months later, I need this information removed and I have even sent you a copy of the leter that transunion contacted credit carma to have it removed, and you never did.

Desired Settlement: I want the information for Credit managment removed from my credit score like I have and transunion told you to remove it, and so did Credit managment the people that the infor on my credit score has told you to remove it. REMOVE IT.

Business Response: Initial Business Response /* (1000, 5, 2014/03/27) */ Dear Mr. **********, I would be happy to address your concern. I see that you have emailed with our specialists several times about this matter. We have explained that what you're looking at is an old notification that was issued in February 2014 about this account in collections. Notifications are not updated after they're issued, so they're only as accurate as the date they were issued on. You can see on your Derogatory Marks page (https://**********************************************) that we are listing zero open accounts in collection. This page is where you can find your most up-to-date report information. We cannot manually delete old notifications. They are designed to illustrate past changes to your credit report, as reported by TransUnion. I want to assure you that this notification has zero bearing on the accuracy of your score or reported information. Sincerely, ********* *., Member Support Lead Initial Consumer Rebuttal /* (2000, 7, 2014/03/28) */ (The consumer indicated he/she ACCEPTED the response from the business.)

3/21/2014 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Concern with Identity Theft. I went on line and filled out the application to obtain my credit score. It prompted me to enter my entire Social Security number because they "could not identify me". I did so and still received a message that the information was not matching and prompted me to re-enter the info. And I re-entered my Social Security number and all of my personal info. Received another message saying my info didn't match and no score could be provided. I am extremely concerned that my security has been breached and that I am a victim of identity theft.

Desired Settlement: I would like some resolution and proof that my identity has not been compromised. I will go to the authorities if necessary.

Business Response: Initial Business Response /* (1000, 5, 2014/03/04) */ Hello! I am sorry for the frustration. Your social security number is valuable and important, and we are committed to safeguarding your personal and financial information. The information that the credit bureau TransUnion has on file for you doesn't match what you are entering at Credit Karma. From what we can tell, it looks like the credit bureaus may only have your first initial on file for your first name. Try changing your first name to only your first initial, then complete the last step of registration. Please let us know if you have any other questions. Best, ********* *. Credit Karma

3/19/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: I have been seeing these advertisements about free credit scores for a long time. So one night I decided to see if CreditKarma.com was telling the truth. I gave them all my information, and then at the end of all of the entering I did, up pops a screen saying that I don't have enough credit to receive a credit report. I think they called it "Thin", I think. Well, I know that this is impossible, because I just had 2, maybe even 3 of my reports sent to me between 2009 & 2012. I know it was done at least twice. So I told CreditKarma.com that I want all my information taken off of their site and I don't want them to share my personal information with any of their partners. First thing this morning I get my first credit card application on this new email address of mine. Has CreditKarma.com done this to anyone else, because I read how they make money. They share emails and telephone #'s. Product_Or_Service: Personal Information Given

Desired Settlement: DesiredSettlementID: Other (requires explanation) Tell them to delete all of my information, quit doing that silly pop-up at the end of taking all of peoples' personal information, and if they can't handle that, then shut down and get off the internet.

Business Response: Initial Business Response /* (1000, 5, 2014/03/10) */ *******, Many consumers are disappointed to hear that they have a "thin" file. I understand that you were able to receive credit reports in 2009 and 2012. However, a credit report is not the same thing as a credit score. In order to calculate an accurate credit score, the credit bureau must have recent information from multiple active credit accounts. If there is not enough data from the past several months, the bureau cannot accurately calculate a score. If you have open credit accounts at this time, it's possible that they do not report to the same bureau Credit Karma uses. We provide credit scores to millions of members, and do not share or rent personal information. Per your request on February 27th, we provided you with a link to deactivate your Credit Karma account. It looks like you were able to do so. Please let me know if you have any further questions or concerns. Sincerely, ******** G., Member Support Lead Credit Karma, Inc. Final Consumer Response /* (2000, 11, 2014/03/18) */ (The consumer indicated he/she ACCEPTED the response from the business.) All I can do is say that I accept the proposed resolution, then. But I think it mighty funny that I made an email address just to give to Credit Karma, and no sooner than I gave them the address I started receiving spam, and other credit junk that could've only came from that company giving out my email address. But that's okay, as long as the BBB protects my SSN, I can delete the email address. Thanks for all of your hard work, and please make sure that the world of business knows about this one. Final Business Response /* (4000, 9, 2014/03/17) */ Mr. ******, It is correct that we require an email address to use our website. This is the only means of contact we have to provide our members with information about their credit score and account. It is also correct that we require personal information to obtain a credit score for each member. The credit bureau will not provide a credit score without a Social Security Number. We do not sell, rent, or share this information.You can read our privacy policy online at www.creditkarma.com/about/privacy When we offered to close your account, it was at your request. I hope this clears up any confusion. ******** G., Member Support Lead

3/17/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Filled out all information on line,then got to credit card. Adverting says no credit card needed to get scores. Please get my information deleted Please deleted all my personal infro.

Desired Settlement: deletion of infro

Business Response: Initial Business Response /* (1000, 5, 2014/03/10) */ ********, I'm very sorry to hear about this mix up. I'd like to reassure you that Credit Karma is an entirely free service. We never charge our members, and do not collect payment information at any time. While you may have gone to the Credit Karma website, it sounds like you left our site and registered with another website. There is no record of your name or email address associated with Credit Karma. If you used an email address other than "********@hotmail.com", let me know and I'd be happy to double check. Again, Credit Karma is an entirely free service supported by ads. We do not charge any fees. I encourage you to check our website again, and proceed through the registration process. You'll see that no credit card information is ever required on www.CreditKarma.com. I apologize for the confusion. Final Consumer Response /* (2000, 7, 2014/03/15) */ (The consumer indicated he/she ACCEPTED the response from the business.)

3/17/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: Credit Karma asked for all my personal information and then did not give my credit report. Credit Karma requested my personal information, which I provided. I did not receive my credit report in return. I do not feel it is a safe practice to have customers enter their personal information online and not receive the report in which Credit Karma guarantees. When searching for a phone number on the companies website to contact customer service, I was unable to find a contact number. I did send an email to the email address provided on the website and am yet to receive a response. I would like to be assured that my personal information is secure and I would like Credit Karma to resolve this issue. Also, if possible I would like all of my information removed with Credit Karma.

Desired Settlement: I would like for all of my personal information to be removed from Credit Karma.

Business Response: Initial Business Response /* (1000, 5, 2014/02/25) */ Hi ***, Thanks for contacting Credit Karma. In order to provide a credit score, Credit Karma submits the information you enter on our website to a credit bureau (TransUnion) to verify your identity and look for the correct credit report. The information you submitted on our website did not match the credit bureau's information. This could be because your social security number was recently issued, according to the error message received from the bureau. We cannot retrieve files for members with recently issued social security numbers, or for members who do not enter data that exactly matches their credit report. I apologize for the inconvenience and I have removed your account from our website, per your request. Sincerely, ******** *., Member Support Lead

3/17/2014 Problems with Product/Service | Read Complaint Details
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Complaint: A service offered for free but charges a fee and a trial period. 02/04/2014-Visited web site for Credit Karma to get free credit score as advertised. I entered my information. You are then charged a $1 processing fee and then placed in an unrequested membership with Score Sense for 29.95 with a 7 day trial period no opt-out at time of placement.02/11/2014- I called and canceled the service at once when I received the bill . Instead I was deterred from closing the account with constant offers and a refund request. I was refunded $1 request fee and denied $29.95 membership fee. 02/15/2014 -I called back and insisted my account be cancelled and requested another refund. I am currently awaiting a response.

Desired Settlement: Return of all funds and to be removed from any solictations through their business and business partners.

Business Response: Initial Business Response /* (1000, 5, 2014/02/25) */ Hi ********, I'm really sorry to hear about this mix up. ScoreSense is an entirely different company. There is no Credit Karma account associated with your name or email address. It sounds like you navigated away from ******************* and to ******************, and gave them your billing information. We can't refund this to you because we did not charge you in any way. We believe that everyone should have free access to their credit score. We never charge our members and don't collect payment information, because we just don't need it. Our website is supported entirely by advertising. If ScoreSense still refuses to return your money, you'll need to work with your bank to initiate a chargeback. Please let me know if you have further questions about Credit Karma or the services we provide. Sincerely, ******** *., Member Support Lead Credit Karma, Inc.

3/13/2014 Problems with Product/Service
3/12/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: I Signed up with credit Karma, observed late payment on my account that I'm not aware of, therefore I would like to dispute this negative imformation I Signed up with credit Karma, observed late payment on my account that I'm not aware of, therefore I would like to dispute this negative imformation

Desired Settlement: I need my name cleared. Did not provide my personal information to ****** ***.

Business Response: Initial Business Response /* (1000, 5, 2014/02/19) */ Hi ******, Thanks for contacting Credit Karma. All of the credit report information on Credit Karma comes straight from TransUnion, one of the three major credit bureaus. If you think there's something wrong with your credit information on Credit Karma, first get a current copy of your full TransUnion credit report at https://****************************************. To correct errors, you must file a dispute directly with TransUnion. You can do so here: http://*********************************************************************** You can also find more information on the dispute process here: http://******************************************************** Let me know if you have any more questions. Sincerely, ******** *., Member Support Lead

3/11/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: Your credit score rating is incorrect and way off. My experian score is 620: my transunion score is 627: my equifax score is 627.adjust it accdly. None

Desired Settlement: Adjust my score. And where did you get my info from

Business Response: Initial Business Response /* (1000, 6, 2014/02/04) */ Dear Mr. ******, The credit scores you receive on Credit Karma come straight from TransUnion, one of the three major national credit bureaus. Each consumer has dozens of different credit scores, though most people believe that each person just has one. Credit scores can vary for lots of reasons. First, each of the three credit bureaus can have slightly different credit report information for you. Secondly, the credit score model has a slightly different formula that takes into account over 200 different factors of your credit report. Even with the same credit bureau, a bureau uses many different scoring models. Each bureau can use dozens of different credit score models based on the requirements of different lenders. As an example, a mortgage company will get a different score than a company providing auto loans, since they are looking for different types of credit history and credit factors. Since we're not a credit bureau and we only display the score TransUnion sends us, we are unable to adjust your score, but I hope we have clarified why the score you see on the site differs from other scores you've retrieved. If you have more questions, please feel free to email us at *******@creditkarma.com Sincerely, ********* *., Member Support Lead Final Consumer Response /* (4200, 12, 2014/02/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am not ignorant to the fact that all three respected credit bureaus have different scores. But all three credit reports that I have received In the last three months are significantly higher than what your score is showing. You put my score we'll below and you have rated me as poor. According to the three respected companies my score is well over 600 which is a rating of 'good'. If I go for crèdit and am denied because you rate me as poor you will hear from my attorney who is already aware of this matter. I no longer give you permission to access my info! Final Business Response /* (4000, 10, 2014/02/17) */ Dear Mr. ******, We pull all of our scores from TransUnion. I understand that you've retrieved higher scores from the credit bureaus in the past, but each credit bureau issues many different credit scores for each consumer, depending on the requirements of that lender. There is no one single credit score from each credit bureau. The bureau can easily give us one score and give a prospective lender another score for the same consumer. We have your information because you created an account on our site and gave us permission to retrieve your credit score and report data from TransUnion. Sincerely, ********* *., Member Support Lead

3/10/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: False Statements as to services, effect of their inquires on credit history, deliberate misrepresentation, targeted ads for law firm help. On Jan 21 2014 i signed up at the credit karma website. At the time my credit score from Trans-union was 631 and my advantage score was 720 on Feb 14 2014 i rechecked my credit score again on credit Karma, my score had dropped to 612 and 713 respectively. There has been no inquiries to my credit score from any outside sources and i have not authorized, requested, or provided information to any organization, person, or company for a credit check or credit inquiry. Credit Karma states that there soft inquiry does not effect credit scores and promotes this in all there advertisements. This is simply not true, and my case clearly shows this. Email communication with Credit Karma also states this. I have purposely not checked my credit score for over 5 years, and only did so to ascertain at what level it was after considering purchasing a home once again. Credit Karma's refusal to acknowledge that there inquiries do in fact effect credit scores on trans-union clearly show that they are deliberately misleading consumers, while at the same time, promoting a specific law firm to fix ones credit histories.

Desired Settlement: Credit Karma to repair the damage caused to my credit report, to change there company statements to show that these so called "SOFT" inquires could in fact change ones credit report and add a statement to there website at the sign up screen in plain English, and on the users main dashboard page that clearly states this, and to provide the same relief to all registered users of Credit Karma if effected by there deceptive advertising practices.

Business Response: Initial Business Response /* (1000, 5, 2014/02/26) */ Dear Mr. ********, I apologize for causing you concern. I see that one of our specialists corresponded with you last week and explained what occurred. Credit scores can drop for many reasons, but soft inquiries is not one of them. They are not factored into the calculation of your score. This type of inquiry occurs when you're pre-approved for cards, during background checks, and when you pull your own credit report. But they never impact your score or report. Please feel free to email *******@creditkarma.com if you have any more questions. Sincerely, ********* *., Member Support Lead Final Consumer Response /* (4200, 12, 2014/03/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) Because there is no resolution, the response is double talk and laying the blame back on trans union. My real trans union score was much higher that what credit karma reported initially when I first signed up. As no inquires, reports or requests had been placed on any of my credit for the preceding 5 yrs the initial credit karma score should have been 50 points higher that what they reported, it was not, and then once I signed up to credit karma and they "soft checked" trans union it dropped another 19 points, still with no other inquires, checks or updates to trans union other than credit karma.. Facts are facts, and I have the documents to prove it..The score only dropped on credit karma, not on trans union. It is plain that credit karma is manupulating credit scores on there site, the reason is yet to be determined.. Final Business Response /* (4000, 10, 2014/03/07) */ Dear Mr. ********, I hope I can clarify this for you further. Scores can change for many reasons and joining Credit Karma is not one of them. Many Credit Karma members join the site and their score remains the same for months, even though they continue to check their score through our site. Soft inquiries are not considered by bureaus when they calculate your score. We also pull scores straight from TransUnion, and we never manipulate them to motivate you towards taking an offer. We only show you offers based off the score TransUnion has given us. In regards to your score being different from one you received from TransUnion, credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. Each credit score model has a slightly different formula that takes into account over 200 different factors of your credit report. You can learn more about credit score differences in the article that our CEO wrote for the Huffington Post: http://www.huffingtonpost.com/***-***/never-pay-fico-score_b_XXXXXXX.html Sincerely, ********* N., Member Support Lead

3/3/2014 Delivery Issues | Read Complaint Details
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Complaint: Credit Karma is still displaying incorrect information.l. they claim I am late on a sears account that was my husband's sole responsibility and sears was not to continue billing after a final bankruptcy filing, which they did and counted on the credit report. I disputed Transunions info on the Sears account and on 9/17/2013 I received a letter from Transunion stating that the matter was no longer on my report, file # XXXXXXXXX.2.Credit Karma created a fictional acct. named ***** that is actually a duplicate of my Victoria Secret account, added the two balances together and created 2x the debt amt. I actually am in.3. I tried to contact this company at the email provided and my email was returned stating 'invalid' recepient. Credit Karma pulled some low arbitrary amt. out of their **** and claimed that is all I had in my savings when actually it is 1300.00 - several hundred more than they reported. This is the third BBB complaint I have sent in in six months re:this company

Desired Settlement: DesiredSettlementID: Other (requires explanation) Correct information: Delete fictitious acct you call "*****" and have assigned a non-existant balance to. 2. Get rid of that Sears account per the file # given - you work with Transunion, why are you getting this info when clearly they are telling me something different.3. Correct total indebtedness to only one Victoria Secret Card 4. Establish a viable email address, methods for clients alerting you to mistakes and start being honest. 5. Payment for all my time.

Business Response: Initial Business Response /* (1000, 5, 2014/01/22) */ Dear Ms. ********, I have reviewed your matter and will address each complaint in the order you stated them. 1. You may be looking at an old notification from September 2013. Notifications are not removed or updated after they're sent, so they're only as accurate as the date they were sent on. Our system does not give us the ability to delete or edit notifications, but in no way do they reflect your current information or impact the accuracy of your current score. You can see that you have an on-time payment percentage of 100% here: https://www.creditkarma.com/myfinances/ontimepayments I have also personally verified that this Sears account has been completely removed from the information TransUnion sends us. 2. The account you have renamed "*****" is a Fingerhut credit card account with a $0 balance. It is not related to Victoria's Secret. You can view this account here ****************************************************************** and find more information regarding this credit card on your full credit report. Visit www.AnnualCreditReport.com to access your three, free, government-mandated credit reports each year. 3. Our email address is definitely still valid. You can still email us at *******@creditkarma.com. Please contact your email provider if you continue experiencing issues. 4. The total savings amount you see on your My Recommendations page (https://www.creditkarma.com/myoffers) reflects the amount of money you could potentially save by following our recommendations. It is not a reflection of how much you have in your savings account at the bank. We don't have that information. Please email *******@creditkarma.com if you have any additional questions about this matter. Sincerely, ********* N., Member Support Lead Final Consumer Response /* (4200, 16, 2014/02/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) Am again on the phone with Fingerhut. They say their records state that the account was discharged in the bankruptcy despite the fact the account had been paid in full and there was nothing to discharge. The account is closed. Now let's see what the credit reporting dept. can tell me as soon as I get off hold: "Transunion as of Jan.2014 and for many months previous have reported this account discharged with our bankruptcy. It is not open and it is not being reported as being open". The Transunion account I am looking at does not report it as open. The information you, Credit Karma, are reporting is WRONG, thus doing the public more of a dis-service than adding benefit. Final Business Response /* (4000, 14, 2014/02/06) */ Dear Ms. ********, I have verified that we are retrieving credit report information in your name. You can see here that your Fingerhut account is listed as opened in 2009 with a $0 balance, like you said: https://********************************************************. TransUnion is reporting to us that this account is still open. The credit information you see is taken straight from the credit report that TransUnion sends to us. Credit Karma is not a credit bureau. We simply put the credit information that is given to us in a format that is easier to understand. Because of this, we are unable to edit the information you see on Credit Karma and remove this Fingerhut account. Sincerely, ********* *., Member Support Lead

2/26/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Free Credit Score without using your Credit Card. Refund of 29.95 on 10/14/13 On TV CreditKarma.com advertised with an old lady. On 10/14/13, I was trying to receive my credit score and then at the end of the info they wanted my Credit Card#. The old lady said "you don't need a credit card". So I did not give a card number but instead I deleted all info given and never did I entered or executed the info. So I said "forget this I should of known it wasn't True". So I never got a Credit Score. But I did get charged $29.95 on my credit card. How's that. When I received my statement I seen a charge from Score Sense aka Credit Karma.com. They used my credit card from the past, which I cancelled with them in 2012 maybe early 2013. Also I did not know that CreditKarma.com was Score Sense. Everything as info that I deleted still went through and they used my credit# from the past. I did not allow them to do this. I did not know this had happened until I receive my statement and then I called from the phone# on the statement. I had no info on a phone # to call them until the statement came in and did not know I was charged. After that It was too late for them to not charge me. I called on 11/15/13 upon receiving my statement and the charging dates are on the 14th of the month. I was charged twice, on 10/14/13 and 11 11/14/13. Since I called on 11/15/13 to cancel they only refund me 11/14/13 and not the 10/14/13 because I did not call to cancel the 10/14/13 which I did not know I was charged until I received my statement. So now they will not refund me for $29.95 for 10/14/13. I don't have money for someone to scam out of me. This companies advertising is a SCAM. Out of all of this I Still Did Not Receive My Credit Score And Did Not Ever Wanted To Deal With Score Sense From The Past. Thank You.

Desired Settlement: They can Refund my credit card, they took it from there, so put it back. $29.95

Business Response: Initial Business Response /* (1000, 5, 2014/01/10) */ Hi ******, I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma -- it's entirely free to become a member! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. Best, ********* ** Credit Karma Final Consumer Response /* (4200, 11, 2014/01/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) Score Sense Used The Name CreditKarma.com. Are you understanding me. Score Sense is not giving me my $29.95 for 10/14/13. I was not suppose to be charged if I went into CreditKarma.com. This is really frustrating. My last response was that I gave you the Name of the Company which is Score Sense. Credit Karma says it's not them. I'm telling you it's Score Sense and they did not following what Credit Karma said. "Free credit score without using your credit card. This Is A SCAM with Score Sense. I've already mentioned what I wanted the BBB to do. Pay me my $29.95 back on my credit card. They charged me twice and only gave me back one. I also need my credit scores which I never got, free from Credit Karma or Score Sense. I was not suppose to be charged. Is the BBB going to Help Me or Not. THIS IS A SCAM..SCAM..SCAM.. SCORE SENSE PORTRAY AS CREDIT KARMA.COM. Final Business Response /* (4000, 9, 2014/01/27) */ Dear ******, I apologize for the confusion. Credit Karma is not affiliated with Score Sense. I have included the contact section of their site here: http://****************************** You will need to reach out to Score Sense to get this charge reversed. Please let us know if we can help you with anything else. Best, ********* *. Credit Karma

2/21/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: Tried to obtain the free credit score. Filled out form as required. Said someone else had the same info I entered. This is the second I filled this block out. What is the problem. I can't talk to anyone on the phone. I get some dumb info. I filled this application in and give all my ssn and my home address.I tried to go back and delete the info, but it disappeared from my computer. I really suspect a scam. PLease help retrieve my info. This is a major security threat

Desired Settlement: This is the second time I tried to get my credit score. The score was just checking. Now I am lost with all my information stored. I feel like I have been scammed or about to be. I tried to retrieve the info I entered.but could go back to delete it.I watch the ad on tv about no credit card needed. My mailing was in the application and my SSN. First it ask for my last four of social. When I entered it several times the box then ask for my whole ssn. I should have got suspecious then. Please help me retrieve my info.

Business Response: Initial Business Response /* (1000, 5, 2014/02/19) */ Dear Mr. ******, I apologize for the confusion. I see that one of our specialists emailed you on February 14th explaining what happened during the registration process. It looks like you originally registered in 2011 under a different email address. The email address associated with your active account is: *********************** Please use that email address to log in. If you need assistance logging into this account, please email us at ************************ Sincerely, ********* *., Member Support Lead Final Consumer Response /* (2000, 7, 2014/02/21) */

2/19/2014 Guarantee/Warranty Issues | Read Complaint Details
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Additional Notes

Complaint: Within 24 hrs of checking my credit score(which is Excellent), I am being DELUGED with offers for a vast myriad of loans. I am deeply troubled. On February 6, 2014, I subscribed to Credit Karma to inquire about my credit score(which is Excellent). Less than 24 hours later, I am being deluged with emails for offers of credit and loans for which I have not solicited. I am deeply troubled and have already filed a complaint with the Arizona Attorney General(fraud division). I am just beginning the process of purchasing a home, and regret that I ever thought it were a good idea to check my credit with Credit Karma. My subsequent belief is that this is a scam to sell my information.

Desired Settlement: I want my name and information to be purged from Credit Karma's records and no further contact from them. This company needs to be investigated to unethical breaches of privacy.

Business Response: Initial Business Response /* (1000, 5, 2014/02/18) */ *****, I'm sorry to hear that you've begun receiving spam emails, but I'd love to take a moment to assure you that Credit Karma does not give out your email address or sell/rent it to third parties. This is part of our privacy policy that we always adhere to. We take the privacy of our members very seriously, and would not do anything to jeopardize that trust. It sounds like your email address might have been compromised in some way, so I highly recommend that you change your password and don't click on any of the links in these emails. Per your request, I've deactivated your Credit Karma account. Let me know if there's anything else I can do to help. Sincerely, ******** *., Member Support Lead Final Consumer Response /* (2000, 7, 2014/02/19) */ This is fine and you can close the case. Thank you for your assistance.

2/19/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: false advertisement for your website. your commercial for your website says no credit card required to check your credit score but on 1/24/14 I went online to check my credit and I had to enter my credit card info this is false advertisement,why is this?

Desired Settlement: as much is allowed

Business Response: Initial Business Response /* (1000, 5, 2014/01/31) */ *****, I'm sorry to hear this happened to you, but I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma -- it's entirely free to become a member! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. I encourage you to return to our homepage at www.creditkarma.com. You'll see that we never ask for payment. Please let me know if you have any other questions. Sincerely, ******** *, Member Support Lead

2/19/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Their television and internet advertisements are at the very least,false and misleading. They should be estopped from advertising. Credit Karma advertises that you don't need a credit card to receive a free credit report from the three credit reporting agencies. They also advertise that they do not ask for a credit card when you apply. They show a game show where two contestants race to receive a credit report and one contestant is stopped because the company she is trying to complete the report application and the other contestant fill out the application because Credit Karma does not require or ask for a credit card. There website specifically says, ''Credit Karma give you access to all of your financial information ---bank accounts, credit cards, bills mortgages, loan, and of course, your credit scores ---all in one location, all under one account, all for FREE.'' In actuality, as you complete the form, just before you complete, they ask for your credit card number, ''To verify the information you gave. After I submitted the completed form, they charged my credit card, $29.95. After checking my credit card bill, I noticed the charge and called to have it removed and opt out of their service. On the telephone they said they would refund the charge to my account, but they later sent an email rejecting the refund. That is not truth in advertising. It's more like bait and switch.

Desired Settlement: I would like them to credit my account the $29.95 and $1.00 charges they applied to my credit card account.

Business Response: Initial Business Response /* (1000, 5, 2013/12/27) */ Thank you for reaching out to us. I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma -- it's entirely free to become a member! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. Best, ********* ** Member Support Lead Final Consumer Response /* (4200, 11, 2014/01/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) CreditKarma.com is attempting to dirvert accountabilty on to someone else. Their web site is clearly connected to scoresense. They are either associated with, affliated with or are the umbrella company of. There is no way around it. Final Business Response /* (4000, 9, 2014/01/10) */ Hello! I'm sorry for the confusion. Score Sense is not affiliated with getting a score from Credit Karma. We do show ads for their site on Credit Karma, as another option for our members to get more credit information. I have included their contact page here: http://www.scoresense.com/contact-us/. They should be able to help you with further resolution. Again, we apologize for the confusion. Best, ********* ** Credit Karma

2/19/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Credit Karma is a division of Trans Union and both agencies are reporting my credit score at extreamly low ratings. Trans Union submits credit scores and transactions to Credit Karma. Trans Union has reported or gave my credit score and low rating for over 5 years and in the past 2 yrs I have correct all of my credit issues and have paid without delay or any late payments or transactions on time. TransUnion/Credit Karma continue to transmitt a low rating and as of DEC 26th in spite of all of my payments being on time for approximately 2yrs, TransUnion/Credit Karma has lowered my credit score 21 points. That is unfare credit reporting wherein as potential creditors look at my risk factor, they will notice that my score has decreased not increased. The other credit reporting agencies have my score above 600 and Trans Union/Credit Karma has my score well below 600. Again, this company has given me zero credit for paying all bills ontime for the past 2 yrs. Again, it's been 2 yrs and my credit standing with each creditor is listed as current so why the bad credit score from Trans Union/Credit Karma

Desired Settlement: I want my credit score updated to reflect my payment history and in my ability to pay which has been ontime, never late, and current. I had another car loan which was 21,000.00 which the status of that loan is PAID IN FULL STATISFACTORY, NEVER LATE. So again why the low credit score rating from this reporting agency?

Business Response: Initial Business Response /* (1000, 5, 2014/01/06) */ Dear ****, The credit scores you receive on Credit Karma come straight from TransUnion, one of the three major national credit bureaus. Each consumer has dozens of different credit scores, though most people believe that each person just has one. We do not calculate the scores we provide. TransUnion maintains your credit report and calculates your credit scores. Credit scores can vary for lots of reasons, even within the same bureau. First, each of the three credit bureaus can have slightly different credit report information for you. Secondly, the credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. Third, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. Comparing several credit scores will always be different, since all the models are inherently different. Tracking one credit score over time, shows you the ups and downs in your score that could signal a significant change in your credit health. To calculate your amount of on-time payments, we look at 7 years of payment history. Your payment history has been improving steadily and is now at 97%. If you have more questions, please feel free to let me know. Sincerely, ******** G, Member Support Lead Credit Karma Final Consumer Response /* (4200, 11, 2014/01/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do understand the science with respect to credit scoring as well as the grading process however, you (Credit Karma) are not a credit reporting agency, so therefore if you are getting your your information, my score from TransUnion then the scores should be identical, yours is not. I do accept and understand clearly the explainations given however I cannot understand even remotely how Credit Karma has a different score than the credit reporting agency from which their getting my credit score from? How is that possible? Credit Karma is not a credit reporting agency so therefor you have an obligation of providing accurate information to your memebers or customers. Again, Thank you for your responses regarding these questions. Respectfully, Final Business Response /* (4000, 9, 2014/01/13) */ ****, Credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. Each credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. In addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. As an example, a mortgage company will get a different score than a company providing auto loans, since they are looking for different types of credit history and credit factors. We provide the New Account score. Your current grade for On-time Payments is actually a "D" and not an "F". The grades given in the Credit Report Card (https://creditkarma.com/myfinances/ccu) are part of a system developed by Credit Karma to help you better understand the key components impacting your credit score. It's important to know that the grades do not affect your credit score; they're simply a comparison metric. Here's how they work: The letter grades are determined by averaging the scores of Credit Karma members within each range. This doesn't mean that all members with a "D" or an "F" in one particular metric will have a low credit score, but that *on average* members within that range have a lower credit score. Members with even 2 or 3 missed payments frequently have drastically lower credit scores. I hope this clears up any further confusion.

2/17/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Credit Karma advertises on Fox that free credit reports are provided and that NO credit card is required - FALSE! I went to their web site based on the advertisement that my credit card would not be required or asked for. Only after requesting my free credit reports and entering ALL of my personal data (identity theft material)was I presented with a screen that required a credit card to proceed. The screen said "in order to refund your #1 charge" you must enter your credit card. There is not "CONTACT US" option at their website and I am stressed out by the fraudulent ad and hijack of my personal data. They prominently display the BBB logo and I thought it was safe.

Desired Settlement: I need to be assured that my data is purged from their data bases. I want them to change their ad to present the truth, that a credit card IS required; or, change the requirement that a credit card be used.

Business Response: Initial Business Response /* (1000, 5, 2014/01/23) */ Dear Mr. **********, I am sorry for the confusion. I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma -- it's entirely free to become a member! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. Best, ********* O. Credit Karma Final Consumer Response /* (3000, 7, 2014/01/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) I've never heard of such a lame response. I'm sorry. Credit Kharma advertised on cable, we went right to their site and that is the only address we typed in our browser. I would encourage EVERYONE to beware and to google credit kharma and see for yourself. I would like to hear what they are doing with all of my personal data that was collectd. Final Business Response /* (4000, 9, 2014/01/31) */ Hi ***********, Sorry for the confusion. We are happy to deactivate your account, if that is what you would prefer. Also if you could let us know where you received a charge (i.e. what is stated on your bank statement), we would be happy to research this further. Thank you for your patience. Best, ********* *. Credit Karma

2/17/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: They advertised that this was a free service and I am being charged a monthly fee. I am trying to cancel this monthly fee and i cannot contact directly online.

Desired Settlement: I just want to cancel the monthly service. I don't want it.

Business Response: Initial Business Response /* (1000, 5, 2014/01/30) */ Hi *****, I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma -- it's entirely free to become a member! I suggest contacting your bank to find out where those charges originated. Then, you can contact that company for a refund, or begin the chargeback process with your bank. Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions, or would like me to close your free Credit Karma account. Sincerely, ******** *., Member Support Lead Credit Karma

2/13/2014 Problems with Product/Service | Read Complaint Details
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Complaint: False info on report/ refuses to remove low score not reflective of income/ debt ratio Credit Karma has inaccurate information on my credit report. And has refused to clear/ update/ further danaging my ability to secure favorable credit/ interest rates ... I have complained several times, no response . They dont care that you are being gouged with high interest rates based on erroneous information. I DO NOT have a tax lien, i have never lived at sev addresses listed/ credit lines are inflated/ my income is wrong/ favorsble loans are not listed... BBB do your job!!!! Stop overlooking joke companies!!

Desired Settlement: Delete false info

Business Response: Initial Business Response /* (1000, 5, 2014/01/27) */ Dear Ms. ******, I understand that you're concerned about false information appearing on your Credit Karma profile. The credit card and loan interest rates you see are estimated based on national averages. You can edit your interest rates by clicking on the individual details page for the credit card and clicking on the blue "Edit details" button next to the APR at the top of the page. You can modify your annual income at the bottom of this page: https://********************************** Please note that your income does not affect your credit score. It is only used as a financial planning tool. In regards to your tax lien, you may be looking at an old notification from August 2013. Notifications cannot be removed or updated after they're sent, so they're only as accurate as the date they were sent on. It looks like the account in question has already been removed from your Credit Karma profile. You can view your Derogatory Marks here: https://**********************************************. Here you can see that there are (0) derogatory public records and no tax liens on your profile. Generally speaking, all of the credit report information on Credit Karma comes straight from TransUnion, one of the three major credit bureaus. If you think there's something wrong with your credit information on Credit Karma, first get a current copy of your full TransUnion credit report at https://***************************************** To correct errors, you must file a dispute directly with TransUnion. You can do so here: http://**********************************************************************e You can also find more information on the dispute process here: http://******************************************************** I don't see that we've received any emails from your email address, but we definitely would not let an email from you go without a response. If you ever need to reach out in the future, please email us at ************************ Sincerely, ********* *., Member Support Lead

2/12/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Credit Karma asks for all my personal information and then DOES NOT give a credit report! I DO NOT TRUST THESE PEOPLE...THEY DON'T EVEN ANSWER PHONE!! 1/16/2014: Filled out required information in detail all my personal information...and this site doesn't give me a report!!! Gives me a tiny message that they are unable to give my report! NO REASON FOR THIS...I FEEL THIS IS A SCAM TO STEAL PEOPLES INFORMATION!!!! The only phone number (XXX)-XXX-XXXX says..."if you have an issue...just send us an email...and we will get back to you just as soon as we can."!!!!! HIGHLY SUSPICIOUS of THESE PEOPLE!!! I WILL REPORT YOU TO EVERY ENTITY THERE IS THAT WILL DEAL WITH YOU!!!!!

Desired Settlement: I want them reported for fraud!I want everything I entered to be DELETED IMMEDIATELY!!!

Business Response: Initial Business Response /* (1000, 5, 2014/01/24) */ Hi ****, I deleted your account for you. We replied to your email on January 17th and provided directions for how to deactivate your account. I apologize if you did not receive this email. It's true that we don't provide phone support - email is the fastest, most efficient way for us to respond to our members. Credit Karma does not provide credit reports. There's already a government-run website that provides all consumers with 3 free annual credit reports every year, *************************** Our site is focused on providing credit scores to supplement that data. At the time of your registration, our site was experiencing a small technical difficulty. It was resolved in a matter of minutes. I apologize about the timing, and the negative impression this left you with. Again, I've deleted your account from our site and you will receive no further emails from us. Sincerely, ******** *, Member Support Lead

2/12/2014 Delivery Issues | Read Complaint Details
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Complaint: It is common net practice to allow a customer to unsubscribe (fire) any commercial site. The 10 pages of legalese does not make this clear. "more" The boilerplate "Terms of use" would take a lawyer to figure out. This practice has been determined by appeals courts to be fraud (see Microsoft's 40+ page settlement. This co's term's require you to sign over all intellectual property rights and ownership of private information in perpetuity. If the ownership changes, there is a high probability that millions of private citizens will have their personal and private information spread worldwide. At any rate, I have tried to find "unsubscribe information, written numerous requests and included their legal department in an effort to get my name and data off their website. As I said, a usually easy and customary request. They either don't answer or insist due to the terms of use (who reads these 10 pages of legalese anyway?) they refuse to let me go. There is no easy method of communication, this is common for disreputable websites and their most common distraction is to say how sad they are to see you go, you can't sign up again for two years, you are hurting yourself and your credit rating and how "free they are. Then they send you around their site looking for an unsubscribe spot which doesn't exist. This is clearly an effort to scare and/or frustrate you into giving up. Really the only thing you can do is change all the security systems and numbers on your financial sites, but they still have enough information to do great harm. They are not the IRS, they have no ethical or legal right to act like/or actually be criminal

Desired Settlement: I must insist that Credit Karma certify in writing to the Better Business Bureau that they have removed me and my information from their computers/files, or any other media method of storing information. They should copy me of this action. I am easy to find as they know everything about me except my shoe size. This is the minimum I will be satisfied with. If they had an ounce of the good Karma they claim, they would clearly state on the sign-up page of their website that once you sign up it is forever and your information may be used for any purpose whatsoever. "Instant Karma's gonna get you, gonna knock you right off your feet" **** ******

Business Response: Initial Business Response /* (1000, 5, 2013/11/15) */ Dear Mr. *********, I'm sorry for the trouble. You can find the cancellation link at the bottom of your Security Settings page. I have gone ahead and deactivated your account for you. Because Credit Karma is a financial services company, we are required to comply by certain information retention requirements. Therefore, when you deactivate your Credit Karma account, we cannot delete your information outright. However, your information will be stored on secure servers and your account will be inactive and inaccessible to anyone other than Credit Karma authorized personnel. You can read more in the "What happens if I terminate my account?" section of our privacy policy here: http://********************************** Please let me know if you need any additional assistance. Sincerely, ********* *., Member Support Lead Final Consumer Response /* (2000, 16, 2013/12/17) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept your explanation, paticularly since you state you will not sell any of my information and I am assuming this is true even if the company that buys your company is not the most reliable. However, any company these days seems vunerable to determined attack by an ousider or more commonly by an employee hard up for money. I hope your security team has taken these issues seriously and has adaquate defenses as policy from both inside and out. Final Business Response /* (4000, 14, 2013/12/12) */ Dear Mr. *********, This is to confirm in writing that we deactivated your account for you on November 15th. We are required to retain information from accounts that have been registered through our service. This is customary practice among financial services companies. We also do this to maintain our records. However, I want to assure you that since your account has been deactivated, your account cannot be accessed by anyone other than authorized Credit Karma employees. In addition, we will not sell or rent your Personal Information to third parties for any purpose. I hope that this reply answers any remaining questions you have about our business practices, Mr. *********. Sincerely, ********* *., Member Support Lead Consumer Response /* (3000, 21, 2014/01/02) */ Dear Sir or Maam, I wrote an original letter to the BBB from Florida to voice my concerns about Credit Karma,Inc. keeping their records of private and personal information equivalent to that gathered by the three major credit reporting agencies indefinitely, and in the fine print states that the data goes along with any sale of the company in the future to anyone at all. They first refused to let me dis-enroll and then informed me they keep the data forever on their ''secure'' servers. I am sure your are aware of many instances in the past, and the most recent hacking of ******s ''secure'' servers and must realize that any really determined group of hackers from the US or Russia, etc. can either hack or purchase a way into the most ''secure'' servers. Consider ****** ******* at NSA. This is why I was and still am so concerned about mine and hundreds of thousands of the most critical data on American citizens is sitting in a little backoffice operation in San Francisco and the BBB giving them an A rating. Is the BBB going to wait until disaster strikes and the largest ID theft in American history occurs and then sit back and mumble ''sorry about that chief''. Consider this a definite warning to be proactive on this companies ''terms of use'' which runs about 10 pages and my lawyer says he has never seen a website issue such a document in legalese that most customers looking for a ''free credit report'' would either not read or couldn't possibly understand what they were getting into. I am going to send a copy of this letter to the BBB's main Principals, so I helpfully advise you to copy, keep and act on this letter in a professional manner. Sincerely, ************************************************************************************************************************* Business Response /* (4000, 23, 2014/01/06) */ Dear Mr. *********, I understand that you are concerned about the security of your information in light of recent events. I want to assure you again that we deactivated your account back in November 2013 at your request, so that only authorized Credit Karma personnel can access it. We are committed to securing your data by treating it as if it were our own. We use 128-bit encryption to protect the transmission of your data to our site and other security precautions, including firewalls and a secure data center to protect your data. We believe in and apply pro-consumer practices. Our privacy policy is verified by TRUSTe. We enlist independent external experts in the field of application security to assess our site for security vulnerabilities and confirm and validate the security of our site. We have always taken security very seriously at Credit Karma and will continue to make it our top priority as we grow. Sincerely, ********* *., Member Support Lead Consumer Response /* (4200, 25, 2014/01/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) Sir/Ma'am, Regarding your response to my basic complaint of Credit Karma keeping mine and millions of others' personal data such as SSN, DOB,Mother's maiden name, address, and so on forever in your "secure servers, and outlining all the security procedures you take, I make the following explanation why I don't accept your response. Before I do, I would like to point out that the law does not require you to keep this data in perpetuity, three months after closing the account is the standard according to my sources. Storing account data of ex-customers forever costs a lot of money, and suggests an eventual sale of the company to an unknown and possibly outside of the US party that offer the maximum profit to you for possession of this massive data base. The opportunities for massive ID theft are therefor in place. This goes direct to motive. The immediate reason for my complaint can be summed up in one acronym: NSA. And I'll add ****** as well to explain to anyone who still doesn't understand that there are no such things as "secure servers" Your security cannot possibly rise to the level of the NSA or a huge company like ******. To think they are, is arrogance or ignorance of the ability of inside or outside attacks that can eventually hack into ANY data base. This fact is now widely known and for you to deny that you can't be hacked is un-creditable and borders on irresponsibility. Therefore, as a resigned customer for more than 4 months, I will accept nothing less than the purging of my personal private information and that of any others who have resigned from your services. I hope this rejection of your explanation of "secure servers" finally breaks through your denial and causes you to do the right thing and change your policy in this respect. It is out of commonly accepted business processes, and creates the real possibility of the largest ID data theft in US history. It's time to re-think, before a regulatory agency does it for you, with it's natural tendency towards unwanted publicity in the financial sector and the public distrust of your lovable "Grandma Spokesperson" Sincerely, **** *********

2/7/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Credit Karma is posting inaccurate credit information about me including info that was already addressed with the credit agencies. First, the account they are reporting on was my husbands sole account (Sears). Secondly, Sears kept reporting late payments after our bankruptcy filing date in Feb. 2013. We saw the atty. in Sept. 2012 and were instructed to stop paying the bills and to send them to the law office, which we complied with. That would have left only 5-6 months at the most we would have had any late payments as we had always pd. our bills on time - 98% (I forgot one payment once to someone, but not Sears). I want that information REMOVED

Desired Settlement: Remove the illegally reported information from Sears.

Business Response: Initial Business Response /* (1000, 5, 2014/01/22) */ *****, All of the credit report information on Credit Karma comes straight from TransUnion, one of the three major credit bureaus. If you think there's something wrong with your credit information on Credit Karma, first get a current copy of your full TransUnion credit report at ************************************************. If you have recently disputed this information, it could take a while to be removed from your credit report. Credit Karma will not be able to remove the notification from September 2013. Notifications cannot be edited after they are posted. Credit Karma is showing your On-Time Payment history for Open Accounts to be 100%, or an "A" grade which you can see here: ***************************************************** Sincerely, ******** G, Member Support Lead

2/3/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: CreditKarma told me my score had dropped 50 points according to TransUnion. I called TransUnion and they denied it. I subscribed to Credit Karma. Their home page indicates that they obtain their credit scores from TransUnion. The Credit Karma website indicated that my score had dropped 50 points to 636 and offered to sell me services of a company that could help me fix the problem. I called TransUnion and they said my score had not dropped to 636. It appears that Credit Karma provided me with a false report of negative information on my account so that I would buy the services of Lexington Law.

Desired Settlement: I would like for Credit Karma to provide me with my actual credit score from TransUnion, at their cost. I would also like for the company to be required to put their contact information on the website so that subscribers can contact them directly about these problems. I would also like for Credit Karma to be required to disclose the alleged negative information that caused my credit score to drop by 50 points.

Business Response: Initial Business Response /* (1000, 5, 2013/12/27) */ *******, I'm sorry to hear you are disappointed in our service. Credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. Each credit score model has a slightly different formula that takes into account over 200 different factors of your credit report; like a thumbprint, no credit score model is exactly the same. In addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. As an example, a mortgage company will get a different score than a company providing auto loans, since they are looking for different types of credit history and credit factors. We purchase each and every score we display on Credit Karma from TransUnion. We do not calculate the scores. TransUnion uses a proprietary algorithm that weighs many different factors. Since Credit Karma does not calculate this score, we cannot speculate about fluctuations. Our records indicate that your score has already rebounded 28 points. I suggest looking at your Credit Report Card for recent changes. Even minor changes can cause large fluctuations in your credit score. Please let me know if you have any further questions. Sincerely, ******** G, Member Support Lead Credit Karma Final Consumer Response /* (3000, 12, 2014/01/14) */ The response by Credit Karma repeats the false information that I originally complained about. Their strategy for addressing these complaints is clearly circular and allows them to avoid providing any real substantive response. Their response above begins by stating "...I am unable to speculate as to why your credit score dropped." That is the problem, I called TransUnion and they told me that my credit score did NOT drop. Furthermore, Credit Karma advertises that it obtains its information from TransUnion, thus there should be no need for them to "speculate" about anything. Their tactics are deceptive and appear to be designed to encourage people to purchase services from their partners such as Lexington Law that people don't need. It is clear that litigation is going to be required in order to get to the bottom of Credit Karma's business model. Final Business Response /* (4000, 14, 2014/01/22) */ Credit Karma purchases credit scores directly from one of three major credit bureaus. Since we don't calculate these scores ourselves, we can't explain every fluctuation. We pride ourselves on providing these scores to our members free of charge, along with credit health resources. Understandably, members get very upset about fluctuations in their credit scores - but since we're not a credit bureau, we can't adjust their reports or scores. These types of complaints fall outside the scope of our abilities to help members. Per his complaint (desired resolution): we have provided Mr. **** with a credit score from TransUnion at our cost, our contact information is indeed listed on our website, and I have explained to him where he can see the data that influences his credit report. You contact us directly, at any time, by emailing *******@creditkarma.com ********

1/30/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Credit report is supposed to be free and I was charged. When I call the phone number I got a recording about another issue. I do not want any more charges from this company.

Desired Settlement: Credit report is supposed to be free.

Business Response: Initial Business Response /* (1000, 5, 2014/01/13) */ Hello ****, I'm sorry for the confusion. I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma -- it's entirely free to become a member! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. Best, ********* *. Credit Karma

1/30/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: MY CREDIT CARD WAS CHARGED $29.95 FROM THIS SITE AND I AM FURIOUS. REFUND AND PERMANENT DEACTIVATION OF MY ACCOUNT RIGHT NOW. JANUARY 7, 2013 CHARGED $29.95 TO MY NAVY FEDERAL VISA CHECK CARD

Desired Settlement: $29.95 BACK INTO MY CREDIT CARD ACCOUNT

Business Response: Initial Business Response /* (1000, 5, 2014/01/13) */ Hello ******, Sorry for the confusion. I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma -- it's entirely free to become a member! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. Best, ********* *. Credit Karma

1/30/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: This company advertised "free credit" reports and requested credit cared information. This company advertised "free" credit reports so I went online on January 3, 2014 to request my report. They asked for a $1.00 refundable processing fee which I agreed to but then my account was debited an additional $29.95 which I did not authorize. I called this company and spoke with ******* ******** and someone named ***** today (1/8/2014) about returning my money and got nothing but the run around. I want my money returned immediately. ADDITIONAL DETAILS: Case is being handled by another organization: Federal Trade Commission

Desired Settlement: This company requested a $1.00 refundable processing fee which has not been refunded and then debited my account for an additional $29.95 which I did not authorize. I want the $1.00 charge and the unauthorized $29.95 back immediately.

Business Response: Initial Business Response /* (1000, 5, 2014/01/13) */ *****, I'm so sorry to hear about this confusion. I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma -- it's entirely free to become a member! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. In the mean time, I suggest contacting your bank for further details about these charges. Once you've figured out where the charges originated, you can work with your bank to have the charges reversed. Sincerely, ******** *., Member Support Lead Credit Karma Please let me know if you have any other questions.

1/29/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Customer service response On numerous times I have emailed this company asking for help in updating my account. The account will not update and has stayed at Nov.29 2013. I have tried many times to update this acct and have corresponded by email many times for this company to help me correct the problem and have received no response. All I asked for with numerous emails was a fix to my problem.

Desired Settlement: I would like a response to either fix the problem or advise me how to cancel my account and be professional and respond to request

Business Response: Initial Business Response /* (1000, 5, 2014/01/13) */ Dear Mr. ********, I see that a member support specialist responded to your email and communicated with you on January 3rd that we are looking into the issue affecting your account. The issue you are experiencing is a known bug that our engineers are currently working to resolve. It may take some time to do so, but we will contact you through your support request when we have an update. We truly appreciate your patience in the meantime. If you still wish to cancel your account, please email us through your open support request that you wish to do so. Thank you. Sincerely, ********* *., Member Support Lead

1/27/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: TV ad says no CC needed but online 2 get scores you must enter CC# consider false advertising because you must enter credit card # to get credit scores on-line.

Desired Settlement: if they say "free, no credit card required", then it should be free to get your 3 credit scores.

Business Response: Initial Business Response /* (1000, 5, 2014/01/09) */ Dear Ms. ********, I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma -- it's entirely free to become a member! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, email us at *******@creditkarma.com so that we can investigate further. Please let me know if you have any other questions. Sincerely, ********* N., Member Support Lead

1/27/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Against transunion credit score company. They make money from selling my credit score if so make it accurate...HSBC/BOSCOV is not correct transunion credit score company has my credit score wrong they have a company which was paid off many years ago as still outstanding and was from 1987 still on my credit report HSBC/BOSCOV which should not be on there . transunion sells my credit score to companies to see if I can get credit with them and it is costing me higher interest rate increase due to false information . They need to remove this from my credit history one for it has been taken care of many years ago and two it is way over 7 years old. what kind of credit score company is this that allows this to happen they are trying to sell a credit repair company in their advertisement for their service this is not exceptable please correct this. my bank and many others have Identified this Please help

Desired Settlement: remove HSBC/BOSCOV from my credit report it should not be on there !!!

Business Response: Initial Business Response /* (1000, 5, 2014/01/02) */ Mr. *******, I'd like to reassure you that the notification regarding a Boscov's account does not refer to an open account. The Boscov's account is listed as closed on your report. On your Credit Karma Credit Report Card you can see that your grade for assigned payments is an "A", or a perfect 100%.This figure is calculated by Credit Karma. Notifications are generated using data we remove from your credit report. The credit information you see is taken straight from the credit report that TransUnion sends to us. Credit Karma is not a credit bureau. We simply put the credit information that is given to us in a format that is easier to understand. Because of this, we are unable to edit the information you see on Credit Karma. I understand that this is frustrating, but only TransUnion can make changes to your credit report. You can contact TransUnion directly to have your information updated. Sincerely, ******** G., Member Support Lead Credit Karma Final Consumer Response /* (3000, 7, 2014/01/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) If Trans union and other companies send you false or not accurate infomation it should be checked and varified. I look at credit Karma for a correct reading and accurate print out of the report that others see. The account should have been removed years ago but is still on there Trans union is quilty as well. By you putting the info on your web site because they have it on theirs doesnt make it right it is only spreading wrong and mis-leading info.. remedie would be to have your company and transunion remove it . they sent you wrong info it should be checked and corrected by you and them Thank you ******* ******* Final Business Response /* (4000, 9, 2014/01/10) */ I understand that you would like us to remove this information from your account. To maintain the integrity of the credit report data we receive, we are unable to edit or change what a member sees on their profile. As a credit monitoring service, we offer you the ability to see what TransUnion is reporting about your credit report. We don't send this information to anyone. Your account on Credit Karma is visible only to you - for educational and informative purposes. While we can't fix incorrect information on your credit report, we can alert you to it. Then it is up to you to contact the bureau and have this resolved. Sincerely, ******** *** Member Support Lead Credit Karma

1/24/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Tried to create acct, said there was one, but I've never been there. I create one then it says there is no acct, though I have email to confirm. Went to the site for the first time, it said there was already an acct. with my email??? When I tried to reset the password, it said I had timed out on my attempts after only two tries. Tried to create a new acct. and get confirmation I did. Then tried to sign in and it says there is no account. Finally I get in and it say they can't get my info with just the last 4 digits of my SS number, so I enter full, still can't get it. Go to the next pay and it says there is no account again!! This is a fraudulent site as it gets your personal info including SS number but won't give you any results!!!!!!!!!!!!! Now I'm worried about my SS number being in their files. If there is actually an acct. I want it removed completely. This company is totally false advertising too I truly believe.

Desired Settlement: If there actually is an account, I want all of my information removed especially my Social Security number and the account closed. This is a fraudulent company!!

Business Response: Initial Business Response /* (1000, 5, 2014/01/13) */ Dear Ms. *******, I apologize for the confusion. I see that a member ******* specialist replied to your request on January 8th, but you have not responded. Only one account can be tied to a social security number. It looks like you registered in May 2010 under <**********@*******.com>. I have gone ahead and deactivated this account for you. Please email *******@***********.com if you have any additional questions about this matter. Sincerely, ********* N., Member Support Lead Final Consumer Response /* (2000, 11, 2014/01/24) */ (The consumer indicated he/she ACCEPTED the response from the business.) Final Business Response /* (4000, 9, 2014/01/23) */ Dear Ms. *******, This is written confirmation that your account was deactivated on January 13th. Because Credit Karma is a financial services company, we are required to comply by certain information retention requirements. Therefore, when your Credit Karma account is deactivated, we cannot delete your information outright. However, your information will be stored on secure servers and your account will be inactive and inaccessible to anyone other than Credit Karma authorized personnel. You can read more in the "What happens if I terminate my account?" section of our privacy policy here: http://www.***********.com/about/privacy Sincerely, ********* N., Member Support Lead

1/23/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: Not canceling my account I would just really like my account deleted asap.I have been waiting for a response and have not received any and what company has a phone number and doesn't have any customer service reps to help you.All i am asking is that my account be deleted because it has all my personal information on it

Desired Settlement: Just account deleted

Business Response: Initial Business Response /* (1000, 5, 2014/01/06) */ Hi ********, I just wanted to follow up regarding your recent complaint. I took a look at your account and it looks like you received a reply with instructions on how to delete your account on 12/30/13. You were able to deactivate your account that day. At Credit Karma we take great pride in having a real, live human respond to each and every email we receive from our members. With over 22 million members, this isn't always as fast as we'd like, and I apologize if this delay caused you any frustration. Sincerely, ******** G., Member Support Lead Credit Karma

1/16/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I am a victim of ID Theft and the theif opened a CreditKarma account in my name on 12/27. The phone number I found hangs up on me; no reply to e-mail I am a victim of ID Theft and the theif opened a creditkarma account in my name. I have not received a reply to my inquiry and attmepting to telephone creditkarma.com results in a phone number that hangs up on me with no support available. A company dealing in sensitive information should be available to prevent fraud and reply in a timely manner.

Desired Settlement: I want this fraudlent account closed down immediately and Karma's hard inquiry on my credit report removed.

Business Response: Initial Business Response /* (1000, 5, 2014/01/13) */ ********, I'm very sorry to hear that our website was used in this way. We strive to provide a useful credit resource for our members, and unfortunately, sometimes this is used fraudulently. I can see that you've already been working with two of our Member Support Specialists. The account in question was suspended and your personal information cannot be retrieved by anyone. We're happy to help the authorities investigating your case in any way we can. To address your second concern, Credit Karma does not perform any type of hard inquiry. Your credit will not be negatively impacted due to this fraudulent account. Let me know if you have any further questions. Sincerely, ******** *., Member Support Lead Final Consumer Response /* (2000, 7, 2014/01/15) */ (The consumer indicated he/she ACCEPTED the response from the business.) I received customer support assistance though I would recommend that a hotline be put in place to more swiftly respond to victims of identity theft. Particularly as they are in the business of sensitive data.

1/8/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I can't get to CreditKarma@com I have been using this site for at least a year, and now suddenly I can't log on. I have not recieved any emails which I was recieving often

Desired Settlement: Would like to be able to check out my account.

Business Response: Initial Business Response /* (1000, 5, 2013/12/23) */ *****, I'm sorry to hear you've been unable to access our site. I checked your account and it is still open and active. We've recently upgraded our website's security standards, this may be causing the problem. In order to continue accessing Credit Karma, please upgrade your Internet browser to its latest version or follow the steps below: 1. Navigate to https://www.creditkarma.com. 2. Click on the Tools dropdown menu in the upper righthand corner of your browser. 3. Select "Internet Options". A window will pop up. 4. Click on the "Advanced" tab. 5. Scroll down to the "Security" section. 6. Check the box next to "Use TLS 1.0". 7. Click the "OK button to save your new security settings. If the issue persists, please send us your browser and browser version. If you could let me know what type of error message you are receiving, that would be helpful. Thanks for your patience. Sincerely, ******** ** Member Support Lead

1/8/2014 Problems with Product/Service | Read Complaint Details
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Complaint: They emailed me stating I had signed up with them and I wrote informing them I did not and to please tell me how they got my ss# and all my private information. They did not reply but I am often receiving emails of updates with my financial information yet they will not respond on how they got my information.

Desired Settlement: They need to tell me how they got my private information and how to stop any activity. Thank you!!

Business Response: Initial Business Response /* (1000, 7, 2013/12/23) */ Hi ****, I'm sorry to hear about the frustration you've experienced regarding this issue. I can see that you've been in contact with one of our Member Support Specialists, ****** recently. From time to time, members register for a Credit Karma account using the incorrect email address. This is usually a simple typo. We believe that's what happened in your case. A member with a similar name entered your email address instead of their own. Based upon the information you've provided to the BBB (your mailing address), it does not appear that the account in question is matched with your identity in any way. Your email address has been removed from our database and you will not receive any unwanted communications from us in the future. Please let me know if there's anything else we can do for you. Sincerely, ******** ** Member Support Lead

1/7/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Incorrect information listed Incorrect information listed accounts listed on Credit Karma are no longer appropriate or in collections as stated on website. All 3 credit companies have made appropriate corrections EXCEPT credit karma which states they get their information from Transunion.

Desired Settlement: Correct their records and update account with proper information or contact me personally to get correct information

Business Response: Initial Business Response /* (1000, 5, 2013/12/16) */ Dear Ms. *******, It looks like one of our member support specialists corresponded with you on December 13th through your support ticket. The credit information you see is taken straight from the credit report that TransUnion sends to us. Credit Karma is not a credit bureau. Because of this, we are unable to edit the information you see on Credit Karma. We can only put the credit information that is given to us in a format that is easier to understand. I understand that this may be frustrating for you. If you have any additional questions, please feel free to email us at ************************ Thank you. Sincerely, ********* *., Member Support Lead Final Consumer Response /* (4200, 16, 2014/01/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is going nowhere will file lawsuit against Credit Karma in court and file complaint with State's Attorney in their state. They are still showing same information. I AM DONE! Final Business Response /* (4000, 14, 2014/01/06) */ Dear Ms. *******, Thank you for sending us additional details. It appears that you are looking at an old notification from October 2012. Notifications are not removed or updated after they're sent, so they're only as accurate as the date they were sent on. Please visit your Credit Report Card for your most up-to-date reported information to see that the two accounts in question have already been removed from your Credit Karma profile. You can view your Derogatory Marks here: https://********************************************** Here you can see that there are (3) open accounts in collection, not (5), on your profile. If you have any additional concerns about this matter, please email us at ************************ Thank you. Sincerely, ********* *., Member Support Lead

1/6/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: their commercial says that no credit card number is require. When you go to the site and fill the information the last step is asking for your credit. they say that they don't ask for credit card numbers and the last step is asking for credit card number.

Desired Settlement: All I want is for them not to fool the people by saying that they don't need a credit card number. They need to change the commercial and not charge for the credit cord. Thanks

Business Response: Initial Business Response /* (1000, 5, 2013/12/30) */ Dear Ms. *****, I think you might be referring to a different site. I do not see a Credit Karma account registered under your information in our system. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma during any step of the registration process -- it's entirely free to become a member! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know at *********************** so that we can investigate further. Please let me know if you have any other questions. Sincerely, ********* *., Member Support Lead Final Consumer Response /* (2000, 7, 2014/01/04) */ (The consumer indicated he/she ACCEPTED the response from the business.) I guess that might be true but that can also be a cover up. I'm just not going on that website again.

1/2/2014 Delivery Issues | Read Complaint Details
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Complaint: A few days ago i received an email that i signed up for creditkarma.com. I have never heard of this company till i received this email. I need this account that was opened under my name to be canceled immediately. I have tried contacting the company by phone and looks like the phone number doesn't work and nobody answers emails.

Desired Settlement: Cancel this account that was never opened by me.. Thank you

Business Response: Initial Business Response /* (1000, 5, 2013/12/12) */ Dear Ms. ***********, I'm sorry for the confusion. It's possible that someone may have accidentally used your email address to register for Credit Karma. On December 4th, one of our member support specialists removed your email address from our database, so you will not receive any further unwanted communication from us. Please email *********************** if we can answer any questions for you about this. Sincerely, ********* *., Member Support Lead

1/2/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: Unable to access the website on my personal computer. after trying on numerous occasions to veiw this website on my P.C. I've had to file this complaint. I can however access the website on my android phone but unable to read or utilize the site due to the enability to read the screen(screen too small)

Desired Settlement: please please fix your website for p.c. use . your company is absolutely wonderful!

Business Response: Initial Business Response /* (1000, 5, 2013/12/13) */ ****, I'm delighted to hear you enjoy using Credit Karma! . We've recently upgraded our website's security standards, which may have prevented you from accessing our site. In order to continue accessing Credit Karma via your home PC, please upgrade your Internet browser to its latest version or follow the steps below: 1. Navigate to https://*******************. 2. Click on the Tools dropdown menu in the upper righthand corner of your browser. 3. Select "Internet Options". A window will pop up. 4. Click on the "Advanced" tab. 5. Scroll down to the "Security" section. 6. Check the box next to "Use TLS 1.0". 7. Click the "OK button to save your new security settings. This should resolve the issue you've been experiencing. Feel free to let me know if you have any further questions. Sincerely, ******** *, Member Support Lead Credit Karma

1/2/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Due to solicitation online for credit monitoring, I signed up giving all my personal information. I can't reach anyone to cancel this service. On November 27, 2013, I signed up online solicitation for their free credit monitoring services, releasing all my personal information, SS#, etc. The same day, I realized this could be a scam and requested, via email, to delete my account. I heard back with one automatic email that they would resolve the issue and get back to me within 48 hours. I have sent 2 more emails and I can't reach anyone by telephone. It is now December 6, 2013 and I am concerned that my personal information may be used with their scam. Help! I don't want anyone to hack into my accounts.

Desired Settlement: Simply a contact from Credit Karma assuring that they have deleted my account from their computers.

Business Response: Initial Business Response /* (1000, 5, 2013/12/16) */ Dear **** *******, I'm sorry for all the confusion. After further investigation, your account was deactivated on December 12, 2013. We are happy to help you with any further issues. Please reach out to us at anytime. Best, ********* *. Credit Karma

1/2/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: Unable to access the website to check my account. I have been trying to log into Credit Karma's website, however an error message appears and says that it is not a valid website/url. I want to make sure that my personal information has not been compromised. I would try and contact the company directly, however I have been unable to due to the website not being found. Please help/advise on the next step on getting my personal information protected.

Desired Settlement: Deactivate my account immediately, and send proof that it has been deactivated.

Business Response: Initial Business Response /* (1000, 5, 2013/12/17) */ Hi *****, I'd like to assure you that our site, and your personal data, remain secure as always. In fact, we've recently upgraded our website's security standards. It's possible that your current browser settings do not comply with our security requirements. In order to continue accessing Credit Karma, please upgrade your Internet browser to its latest version or follow the steps below: 1. Navigate to https://www.creditkarma.com. 2. Click on the Tools dropdown menu in the upper righthand corner of your browser. 3. Select "Internet Options". A window will pop up. 4. Click on the "Advanced" tab. 5. Scroll down to the "Security" section. 6. Check the box next to "Use TLS 1.0". 7. Click the "OK button to save your new security settings. If the issue persists, please send us your browser and browser version. If you'd still rather cancel your account, just let me know. Thanks for your patience. Sincerely, ******** *, Member Support Lead Credit Karma

1/2/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: In Creditkarma's online ad they contend that you can get your credit score for free. Once they get you to enter the site it ends up costing money. I signed up with Creditkarma for a free credit score. I realized that they needed my card information to determine my credit score but it seems that somehow they slid in a "credit/information service" at the cost of $29.95 per month which they conveniently will deduct from your card account. By the time I realized their two monthly charges from my bank account I called them and asked for a refund, which they flatly refused. I think that their use of the word FREE is far reaching at best. Please visit their website and let me know what you think. Thank You. Best regards, ***** ***********

Desired Settlement: I just want my $60 back.

Business Response: Initial Business Response /* (1000, 5, 2013/12/16) */ Hi *****, I'm sorry to hear about your negative experience. I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma -- it's entirely free to become a member. Unfortunately, it's easy to be mislead into signing up for another website. Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. I suggest contacting your bank to see if you can have the fees returned to your account. Please let me know if you have any other questions or concerns. Sincerely, ******** *, Member Support Lead Credit Karma

12/19/2013 Advertising/Sales Issues | Read Complaint Details
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Complaint: I file for a free credit report to see if there information about my credit was correct and compared it to another credit report and the two didnt compare.I tried contacting creditkarma.com to discuss this issue by email and got to reply.After several days of recieivng no reply I went ahead and wrote to them again by email to cancel the account but still got no reply or any action about my account with them.I am worried now that they have all my persoanl information and it may be a fraudulent site.I tried looking for a phone number for them but there is none.Please invetigate this matter for me as I never heard of a company never havin a phone number and one that will not repy to you back when writing to them.To me this is not profressional.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I wouls like for them to delet all my personal information

Business Response: Initial Business Response /* (1000, 10, 2013/12/03) */ *******, I'm sorry for the delay. We've deleted your Credit Karma account for you. You should have received an email confirmation of this action. I'd like to reassure you that all of the information displayed on Credit Karma is from TransUnion, one of the three major credit bureaus. If there are errors on your report, you will need to file a dispute through the credit bureau. Sincerely, ******** *. Credit Karma

12/17/2013 Delivery Issues | Read Complaint Details
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Complaint: A few days ago i received an email that i signed up for creditkarma.com. I have never heard of this company till i received this email. I need this account that was opened under my name to be canceled as immediately. I have tried contacting the company by phone and looks like the phone number doesn't work and nobody answers emails.

Desired Settlement: Cancel this account that was never opened by me.. Thank you

Business Response: Initial Business Response /* (1000, 5, 2013/12/12) */ Dear Mr. ***********, I'm sorry for the confusion. It's possible that someone may have accidentally used your email address to register for Credit Karma. On December 4th, a member support specialist replied to your support ticket and removed your email address from our database so that this should no longer be a problem. Please feel free to email us at support@creditkarma.com if we can help you with anything else. Sincerely, ********* N., Member Support Lead Final Consumer Response /* (2000, 7, 2013/12/17) */ (The consumer indicated he/she ACCEPTED the response from the business.)

12/16/2013 Advertising/Sales Issues | Read Complaint Details
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Complaint: CREDIT KARMA IS RUNNING TV ADS IN NY METRO STATING THEY NEVER ASK FOR A CREDIT CARD NUMBER. IT'S A LIE AND NOW THE HAVE MY SSN ASSOCIATED WITH MY NAME CREDIT KARMA IS RUNNING FALSE TV ADS IN NY METRO

Desired Settlement: I'D LIKE A GUARANTEE THEY ARE NOT STOCKPILING SSNS ASSOCIATED WITH NAMES AND ADDRESSES

Business Response: Initial Business Response /* (1000, 8, 2013/11/25) */ Dear Mr. *****, I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma -- it's entirely free to become a member! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, email us at support@creditkarma.com so that we can investigate further. In addition, make sure you're visiting www.creditkarma.com when trying to register. Please email us at support@creditkarma.com if you have any other questions. Sincerely, ********* N., Member Support Lead Final Consumer Response /* (3000, 10, 2013/11/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) THEY ARE RUNNING TV SPOTS IN METRO NY WITH AN INNOCENT LOOKING GRANDMA SAYING CREDITKARMA DOES NOT WANT A CREDIT CARD NUMBER TO PROVIDE A CREDIT SCORE. IT'S A LIE AND A SCAM. I WANT ASSURANCE THEY'RE NOT STOCKPILING SSN NUMBERS, LINKED TO NAME AND ADDRESS AND SELLING THEM TO THE HIGHEST BIDDER, PLUS MY FREE CREDIT SCORE WOULD BE NICE Final Business Response /* (4000, 12, 2013/12/03) */ Dear Mr. *****, Your social security number is valuable and important, and we are committed to safeguarding your personal and financial information. We ask for your SSN in order to validate your identity with TransUnion credit bureau; without your SSN, we can't retrieve your unique credit file to show you your credit score. We do not store your Social Security Number and we absolutely do not sell this sensitive information. According to our records, you were able to login to your Credit Karma account on November 26, 2013 and received a free credit score. If you have further concerns, please feel free to let me know. I'd be happy to answer them. Sincerely, ********* O., Member Support Lead Credit Karma

12/11/2013 Advertising/Sales Issues | Read Complaint Details
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Complaint: completely false advertising they advertise that they are a free service and that they never ask for a credit card but they absolutely do ask for a credit card after you have finished application giving them all your personal credit information including social security number before they provide your credit score stating there is a 1 dollar fee .They have multiple TV commercials giving completely false information I thought false advertising was a crime but they blatently put these commercials on TV

Desired Settlement: they need to remove these false ads from TV and I believe punished for false advertising they may be an identity theft company tricking people into giving them their personal information

Business Response: Initial Business Response /* (1000, 8, 2013/11/25) */ Dear Ms. ******, I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma -- it's entirely free to become a member! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, email support@creditkarma.com so that we can investigate further. In addition, make sure you are visiting www.creditkarma.com when you try to register. Please let email us at support@creditkarma.com if you have any other questions. Sincerely, ********* *., Member Support Lead

12/11/2013 Advertising/Sales Issues | Read Complaint Details
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Complaint: False advertising. Commercial states free credit score with no credit card needed. November 14 I wanted to check out your web site because the commercial said free, but once I filled out all the info you requested, I was then told I'd need a credit card for a $1.00 refundable processing fee. Have you heard about truth in advertising? This is deceptive practices on your part. You can't say free if there's a service fee.

Desired Settlement: I want to use your services, but I will not give a credit card or debit card for a refundable processing fee. Once you have the card info, I'll be charged for things I don't want. And while you're at it, change the commercial so there's a disclosure explaining this.

Business Response: Initial Business Response /* (1000, 5, 2013/11/22) */ Dear Ms. ********, I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma -- it's entirely free to become a member! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, email us at *********************** so that we can investigate further. In addition, please make sure that you're trying to register on www.creditkarma.com Please email us at *********************** if you have any other questions. Sincerely, ********* *., Member Support Lead

12/11/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: Credit Karma is fraudulent! BE WARE! After entering my information the site displayed a message that it did not recognize my email & I could not login Credit Karma is fraudulent! BE WARE! After entering my information the site displayed a message that it did not recognize my email & I could not login. On Sunday, November 10, I attempted to create an account on CreditKarma.com to view my credit score. They advertise "no hassle, no strings attached," after entering my personal identifiable information on the account set up screen, the website took me to the login page where I my email was not recognized. I had received a "Welcome to Credit Karma.com" email from the site, but when I entered this same email address and password, the system told me it did not have an account on file with that email. I tried twice more and received the same message. This is when I began to get afraid that this site is fraudulent. I believe it's a phishing site looking to steal consumer PII. I instantly filed a service ticket about the email address error. The site does not have a customer service number you can call, only email; another odd thing. I received an email after sending the service ticket, that they'll respond in 3 business days. Here is what I received in response: We have replied to your request. To add additional comments, reply to this email. ******, Nov 14 09:07 (PST): Your account associated with this email address is currently deactivated because there is another account with your personal information that was created before this one. I'd be happy to send you the email address associated with your active account if you'd send me your full first and last name and date of birth so I can verify your identity. ****** Member Support Specialist Credit Karma FROM MYSELF, Nov 10 18:01 (PST): Hello, I registered for an account to view my credit score and when I went to log in the system is telling me that it does not recognize my email address. However, I received to Welcome emails from Credit Karma. Can someone please help me? I have entered personal identifiable information on this site and it instantly shows signs of weird activity. I'm worried at this point. Please help! Thank you Before I received this message I went back on the site and canceled the account, because at this point, I'm afraid that my information is in the wrong hands. My fears felt certain when I received the message above and the following message below: ******, Nov 14 09:07 (PST): I'd be happy to send you the email address associated with your active account if you'd send me your full first and last name and date of birth so I can verify your identity. If you are unable to deactivate your account, I can do it for you. Please keep in mind that for security reasons, once a member deactivates their account, we cannot allow them to create a new account or access their old account for two years. If you still want to cancel, please reply with your full name and date of birth so I can verify your identity and cancel your account for you. ****** Member Support Specialist Credit Karma MYSELF, Nov 11 13:26 (PST): Please deactivate the account that has been setup in my name and personal identifiable information. Upon signing up for Credit Karma, the system sent an alert that an account already existed with my email account. When I tried logging in I received a message that the email entered was not a recognized email. I am confused and even more, concerned that my social security information is out there and this system is corrupt in some way. I sent an email to the "contact us" email box, forwarding the WELCOME message I'd received from Credit Karma, though apparently, my email isn't recognized. I also plan to file a complaint with the Better Business Bureau in regards to this matter. I feel that when your company advertises that it's secure and safe, there should be no hiccups. The process of registering has to maintain a level of security and consistency. Now I'm on high alert because I feel like your system is broken. PLEASE BE AWARE, THEY ARE NOT WHO THEY SAY THEY ARE!

Desired Settlement: I am seeking to get the account I set up cancelled immediately as well as speak with someone to ensure my personal identifiable information has not been compromised. I have also placed a fraud alert on my credit report, just to protect myself. This company is fishy and I just want your account set up page and customer service process to feel as secure as your site is gilded to look. It's smoke and mirrors right now. You need a phone number to call and better business practices.

Business Response: Initial Business Response /* (1000, 5, 2013/11/21) */ Dear Ms. *******, I'm very sorry for this difficulty. We believe that we have located your original account and I have gone ahead and deactivated it for you. We request your date of birth so that we can verify what you provide against the account's details before giving out any information about the account. I understand your hesitations during your correspondence with one of our member support specialists. I want to assure you that we're a legitimate website. We enlist independent external experts in the field of application security to assess our site for security vulnerabilities and confirm and validate the security of our site. Please let me know if I can help you with anything else. Sincerely, ********* N., Member Support Lead

12/11/2013 Delivery Issues | Read Complaint Details
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Complaint: CreditKarma not recognizing "underscore" in email. CreditKarma blocked my access to my account because I challenged "birth date" billing errors. They refuse to recognize my email despite my signing up with it and having no problems in the beginning.

Desired Settlement: That access to my account be restored or the BBB note this depute for others who attempt to correct errors on there credit report.

Business Response: Initial Business Response /* (1000, 8, 2013/12/10) */ Hi *******, I'm very sorry for any frustration you've experienced when attempting to log in to your account. I have looked at your account and I can say, without a doubt, that your access has been in no way denied. Your account remains open and active at this time. Certain internet browsers on mobile devices do not display the underscore in an email address when logging into Credit Karma. You can still enter your email address as normal and log in to your account, though the underscore may not be visible. I understand that this is confusing. I suggest using Google Chrome to access your account on our site. You've also referenced previous attempts to dispute information on Credit Karma. Since Credit Karma is not a credit bureau, we cannot assist you with disputes. All of the credit report information on Credit Karma comes straight from TransUnion, one of the three major credit bureaus. If you think there's something wrong with your credit information on Credit Karma, first get a current copy of your full TransUnion credit report at https://www.annualcreditreport.com/cra/index.jsp. To correct errors, you must file a dispute. Here's a guide on how to do so: http://www.creditkarma.com/article/dispute-credit-report-errors Let me know if you have any more questions. Sincerely, Kayleigh ** Member Support Lead Credit Karma Final Consumer Response /* (2000, 10, 2013/12/11) */ (The consumer indicated he/she ACCEPTED the response from the business.) email fixed.

12/11/2013 Problems with Product/Service | Read Complaint Details
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Complaint: I tried to log on to my account,you won't accept it. You informed me that I had wrong e-mail or password wrong. I tried to change password and nothing I can't access my account you won't accept either my e-mail or my password.

Desired Settlement: I just want to log on to my account

Business Response: Initial Business Response /* (1000, 5, 2013/11/22) */ Hi Mr. ****, I'm sorry for the confusion. We'd be happy to send you your registered email address if you can email *********************** with your full name and date of birth, so we can verify your identity. Thanks for your patience. Sincerely, ********* *., Member Support Lead

12/11/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: The company showed credit card offers I was preapproved for based on credit, then when I applied and was declined Credit Karma lowered my credit score The last time I accessed the Credit Karma website I noticed a preapproved credit card offer on the website based on my credit score. I went onto the card website to apply for the card and was not given a line of credit. Credit Karma then lowered my credit score due to the inquiry on my credit. I believe this was misleading and should not have been damaging to my credit when the website made it appear to be helpful to repairing my credit.

Desired Settlement: I would like my credit rating returned to the score prior to the inquiry or I will contact an attorney to handle the matter further.

Business Response: Initial Business Response /* (1000, 5, 2013/11/22) */ Dear Mr. *******, I'm sorry to hear that your credit card application was declined. Credit Karma estimates how likely you are to be approved for offers based on data gathered from past approvals compared with your current credit score and credit profile. The offers on Credit Karma are personalized for you, but they're still subject to approval by the offer provider. The provider might take other factors in your credit profile into account before approving you. Since we don't calculate your score, we are unable to return your score to what it was before you applied for this credit card. All of our credit scores come from TransUnion, one of the three major credit bureaus. If you have any other questions, please feel free to email support@creditkarma.com. Thank you. Sincerely, ********* *., Member Support Lead

12/11/2013 Problems with Product/Service | Read Complaint Details
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Complaint: I received e mail from credit karma on 11/08/2013. The e mail said I would receive a response within 3 days. I received a complaint number #******# After being locked out of my account I tried calling and got no respone. I then emailed and did get a respone and no actual help to reset my account.

Desired Settlement: I want acces to my account

Business Response: Initial Business Response /* (1000, 5, 2013/11/21) */ Hi Mr. ****, It looks like a member support specialist assisted you within three business days on the 13th and you were able to log back into your account. If you need any additional assistance, please feel free to email us at ***********************. Thanks for using the site! Sincerely, ********* N., Member Support Lead

12/5/2013 Problems with Product/Service | Read Complaint Details
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Complaint: Won't let me sign up When I tried to sign up it said I already had an account and told me to reset my password, so I tried to reset my password and it tells me there is no account under my email address! But when I try to set up aa account it says I already have one. I just want them to take me completely out of their system . I sent them an email and have not recieved anything except for the welcome to Credit Karma email and I still get the same message about no account associated with my email *******************

Desired Settlement: Do not ever charge me for anything and take me out of their system since I can't get in it anyway and they do not answer my complaint!

Business Response: Initial Business Response /* (1000, 5, 2013/11/18) */ Dear Ms. *****, I'm sorry for the confusion. It looks like we corresponded with you last week and sent you your active account's registered email address, which is <**************@**********>. Please use that email address to log in. If you don't recognize this email address, please respond back to your help request and let us know. We will suspend that account right away. Please let me know if you need anything else. Sincerely, ********* *** Member Support Lead

12/4/2013 Problems with Product/Service | Read Complaint Details
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Complaint: I been calling for a week. Always goes to voice mail. I've even sent an email, left voice mails. I've g no response whats so ever to either. I been calling for a week. Always goes to voice mail. I've even sent an email, left voice mails. I've g no response whats so ever to either. Called the last week of Oct. 2013 and each day of this november. I sent the email last week of oct.

Desired Settlement: To completely destroy my personal files with this company which has my complete personal information including my social security number on file. Also to send me proof that my personal file has been forever deleted .

Business Response: Initial Business Response /* (1000, 5, 2013/11/15) */ Dear Ms. *****, I'm sorry you want to deactivate your account. Keep in mind that Credit Karma is a completely free service. We will never charge you, nor will we or our partners ever send you spam. For security reasons, if you choose to deactivate your account, we cannot allow you to create a new account or access your old account. Please note that once an account has been deactivated, the same user may not signup for Credit Karma again until 24 months (2 years) have passed. If you still wish to cancel, please log into your account and find the "deactivate" link at the bottom of the "Security Settings" section : https://creditkarma.com/myprofile/security If you'd rather not terminate your account online, please send a letter with your name, date of birth, and the email address you used to register for your Credit Karma account to the following address: Credit Karma, Inc. **** *** *** *** ********** ** XXXXX-XXXX OR Send this information to our secure fax line: XXX-XXX-XXXX. We're sad to see you go, and hope you enjoyed the service. Sincerely, ***********., Member Support Lead

12/4/2013 Problems with Product/Service | Read Complaint Details
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Complaint: not being able to log in and now where to contact you but through here I have been using your site for a long time and I am using the same id and password to log into your site and now I am not able to log into it and I was wondering why because I use the same id and password like always then I get the error sign says wrong email and password but it is the same ones I have always used on here and not changed it at all and I want you to fix it or else I will put a lawsuit against you

Desired Settlement: fix it or else

Business Response: Initial Business Response /* (1000, 5, 2013/11/15) */ Dear Mr. ******, I'm sorry for the inconvenience. Looking at your account, it appears that you were able to log in as of November 14th. If you require additional assistance with your login information, please feel free to email us at *******@creditkarma.com. Thank you. Sincerely, ********* *** Member Support Lead

12/3/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: I am filing a complaint against creditkarma.com I went to creditkarma.com to see about my credit score. It did not recognize my ss#. Yet, the site sent me an email stating that I was accepted onto their site. I tried finding a customer service number so I could contact them, they did not have one. The site says you have to email them. When I went to bing.com to see if I could find a number, I didn't find one. But I did find several complaints about their services. One user said that they were able to register, but after logging out, then logging back in a short time later, they were unable to log in because the site said that it didn't recognize the users password. Please start an investigation on them and see why they do not have a number to be able to contact. And please let me know when you find something out. Thank you.

Desired Settlement: N/A

Business Response: Initial Business Response /* (1000, 8, 2013/11/12) */ Dear Ms. **********, The information you're using to register doesn't match the information TransUnion is giving us. Credit bureau information can vary among the three credit bureaus. If you haven't already, try registering with the following information: -Any past names you've had (maiden name, initials used for names) -Former addresses I also recommend checking your full credit report at www.annualcreditreport.com to see what information TransUnion has on record for you, then changing your information and trying to register again. We do not offer member support by telephone. Email is the best way for us to make sure every question is answered efficiently and in the order it's received. In the future, if you wish to contact us, please feel free to email us at *******@creditkarma.com. Please let me know if you have any other questions. Sincerely, ********* *** Member Support Lead Final Consumer Response /* (3000, 10, 2013/11/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) Reguardless if I had previous names or addresses, I should still be able to look up my report from my birth certificate name, email, ss#, and current address. That was not the case with this site. I have seen several complaints against creditkarma.com and I know your business may be failing do to the problems I addressed in the previous statement. I dont want you to solve my problem, I want you to shut down your site. Your tv advertisements are misleading. And the way the website works is even worse. I would suggest fixing the issues I mentioned or shutting down your website. Otherwise, you may end up losing customers. Final Business Response /* (4000, 12, 2013/11/20) */ Dear Ms. **********, I understand your frustration. We have successfully registered over 20 million members, but sometimes problems with registration arise, and I'm sorry that you're experiencing that right now. We are only able to successfully register an account if all of the information submitted matches what TransUnion has on file for you. Please contact TransUnion directly about this matter: www.transunion.com/personal-credit/customer-support/contact-us.page If you need further assistance registering, please email us at *******@creditkarma.com. We appreciate your time and patience. Thank you. Sincerely, ********* *** Member Support Lead

11/29/2013 Advertising/Sales Issues | Read Complaint Details
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Complaint: I entered my personal info in Creditkarma for free scores. Site ask for credit card information to refund $1.00. CreditKarma.com advertises free credit score on the television and its web site. However, I entered my personal information in this site and at the end it asked for a credit card to credit 1.00 to. This seems rather fraudulent to me. If the credit scores are free than there should not be a requirement to enter credit card information. I did not enter my credit card information but, this company has all my personal information.

Desired Settlement: I am requesting that this company permanently delete all my personal information from it records and all sources. I would like a letter from the company stating that they have permanently DELETED all my information from it records, and all sources.

Business Response: Initial Business Response /* (1000, 5, 2013/11/13) */ *****, I'm sorry to hear about your negative experience. I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma -- it's entirely free to become a member! Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. I was unable to find a Credit Karma account associated with the email address <**********@msn.com>. If you can provide the email address that may be associated with your Credit Karma account, I'd be happy to deactivate the account for you. Please let me know if you have any other questions.

11/28/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: Company has two phone numbers,but never returns call back, no one to speak to. waited 2mths no responce back. Just want to be able to speak to some one by phone and to get results.

Desired Settlement: just want to contact company with a response

Business Response: Initial Business Response /* (1000, 5, 2013/11/12) */ Dear Ms. ********, Email is the best way for us to answer requests in the order that they're received. I see that a specialist has been helping you since November 4th and has emailed you back as recently as this morning with your registered email address. In the future, please feel free to email us at *******@creditkarma.com if we can help you with your account. Thanks for your patience. Sincerely, ********* *** Member Support Lead

11/21/2013 Problems with Product/Service | Read Complaint Details
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Complaint: Credit Karma sent me an e-mail thanking me for signing up for a membership. I never signed up, never heard of the company until the e-mail. I view their e-mail as spam and their tactic as bordering on a scam.

Desired Settlement: I do not want them to contact me. I want them to delete the account they have set up using my e-mail address.

Business Response: Initial Business Response /* (1000, 5, 2013/11/04) */ Dear Mr. ******, It looks like we removed your email address from our database on October 30th after you submitted a support request. It's possible that someone may have accidentally used your email address to register for Credit Karma. I apologize for any inconvenience. Sincerely, ********* N., Member Support Lead

11/21/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: no way to discontinue this service that is worthless.read the numerous threads- discontinue this service-its not available. 10-30 XX-XX-XX unable to cancel service

Desired Settlement: close my account. Unable to close on your website

Business Response: Initial Business Response /* (1000, 5, 2013/11/04) */ Dear Ms. *****, I'm sorry you want to deactivate your account. Keep in mind that Credit Karma is a completely free service. We will never charge you, nor will we or our partners ever send you spam. For security reasons, if you choose to deactivate your account, we cannot allow you to create a new account or access your old account. Please note that once an account has been deactivated, the same user may not signup for Credit Karma again until 24 months (2 years) have passed. If you still wish to cancel, please log into your account and find the "deactivate" link at the bottom of the "Security Settings" section : https://creditkarma.com/myprofile/security If you'd rather not terminate your account online, please send a letter with your name, date of birth, and the email address you used to register for your Credit Karma account to the following address: Credit Karma, Inc. **** *** *** *** ********** ** XXXXX-XXXX OR Send this information to our secure fax line: XXX-XXX-XXXX. We're sad to see you go, and hope you enjoyed the service. Sincerely, ********* *** Member Support Lead

11/20/2013 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Upon logging in, their website cannot be found I have been a member for a couple years and very satisfied. Now for the past few weeks, their website "cannot be found". Is there a problem with the site? Has any of my information been comprised?

Desired Settlement: I need to be able to access my information on the website, OR I need them to supply current hard copy to my address or email.

Business Response: Initial Business Response /* (1000, 5, 2013/11/15) */ Dear Ms. *******, I'm sorry for the inconvenience. Your information has not been compromised. We've recently upgraded our website's security standards. In order to continue accessing Credit Karma, please upgrade your Internet browser to its latest version or follow the steps below: 1. Navigate to https://www.creditkarma.com. 2. Click on the Tools dropdown menu in the upper righthand corner of your browser. 3. Select "Internet Options". A window will pop up. 4. Click on the "Advanced" tab. 5. Scroll down to the "Security" section. 6. Check the box next to "Use TLS 1.0". 7. Click the "OK button to save your new security settings. If the issue persists, please send us your browser and browser version. You can email us at ***********************. Thanks for your patience. Sincerely, ********* *., Member Support Lead Final Consumer Response /* (2000, 7, 2013/11/20) */ (The consumer indicated he/she ACCEPTED the response from the business.) the fix to their website login worked perfectly. Thank you

11/6/2013 Delivery Issues | Read Complaint Details
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Complaint: The refuse to shut down a account that was opened due to identity theft. They have been contacted and told their is a identity theft with my name and information and they were told to shut down that account since I did not open it nor do I give them permission to keep it open. They are just ignoring my request. I want that account shut down now.

Desired Settlement: Account closed that was opened wrongly in my name by a person who stole my identity.

Business Response: Initial Business Response /* (1000, 5, 2013/11/04) */ Dear Ms. *****, I'm really sorry for any difficulty we may have caused you. When our member support specialist contacted you on October 23rd, she escalated your case and immediately deactivated the fraudulent account. Based off the correspondence you had with another specialist on October 24th, it looks like we have resolved this issue for you by deactivating this account and sending you additional steps for reactivating it under your ownership, if you'd wish to. Please let us know if we can do anything else for you. Again, I apologize for any inconvenience. Sincerely, ********* *., Member Support Lead Final Consumer Response /* (2000, 7, 2013/11/06) */ (The consumer indicated he/she ACCEPTED the response from the business.) Your company did not respond to me personally and left me hanging. I was never told the account was closed and

11/4/2013 Problems with Product/Service | Read Complaint Details
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Complaint: TO SUMMARIZE: CREDIT KARMA.COM HAS ENTERED NEGATIVE INFORMATION REGARDING MY BEST BUY ACCOUNT. PLEASE SEE EXPLANATION IN DETAIL BELOW. Earlier today I checked my credit score on credit karma.com. I was shocked to see that my score had gone from 690 to 675 in a relatively short period of time. I had recently made a $300. payment on an account, so this did seem a bit strange. As I looked further into my accounts I noticed that my Best Buy account(which I have not used in almost a year) had gone from a $3,600. line of credit available to a (minus) -$3,600. I assume that this is why my credit score dropped by 17 points. My balance at all three credit reporting agencies is ZERO, with all payments being made on time.As I stated before, I have not used the card in almost a year. I DO NOT UNDERSTAND WHERE CREDIT KARMA.COM GOT THIS OBVIOUSLY WRONG INFORMATION. I HAVE WORKED HARD TO BRING MY CREDIT SCORE UP AND I ALMOST MADE 700. THANK YOU FOR YOUR ATTENTION TO THIS MATTER. ***** ****

Desired Settlement: I AM ASKING THAT CREDIT KARMA.COM CHANGE THE MINUS $3,600. TO SHOW THAT I HAVE A $3,600. LINE OF CREDIT AVAILABLE AND THAT THE ACCOUNT SHOWS A ZERO BALANCE. I WOULD ALSO LIKE THE ACCOUNT TO SHOW THAT ALL PAYMENTS WERE MADE ON TIME AS APPEARS IN THE THREE CREDIT REPORTING AGENCY REPORTS.

Business Response: Initial Business Response /* (1000, 5, 2013/10/10) */ Dear Ms. ****, Your Best Buy card is no longer issued by Capital One. Since Best Buy accounts have been migrated to Citibank, Capital One has reported this account as closed to TransUnion. All of the credit report information we display comes from TransUnion, one of the three major credit bureaus. When Citibank begins reporting your Best Buy card to TransUnion, this credit card will reappear on your Credit Karma account as an open account. We will not be able to display this card as an open account until that happens. Thanks for your patience in the meantime. Regards, ********* *., Member Support Lead Final Business Response /* (4000, 8, 2013/10/21) */ Dear Ms. ****, We understand that you still have available credit at Best Buy. We listed that your available credit for Best Buy decreased because your account had been reported as closed. Capital One reported this account as closed to TransUnion because Capital One is no longer managing it. You do not have to use your card at Best Buy in order for it to be reported as open by Citibank. If you would like to know when Citibank will begin reporting your account as open, please contact them directly. We're unable to guarantee that your score will return to 690 when this account is reported as open again because all of our scores come from TransUnion. Please let me know if you have any other questions. Sincerely, ********* *., Member Support Lead

11/1/2013 Advertising/Sales Issues | Read Complaint Details
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Complaint: it's not free not free

Desired Settlement: give me a free credit report.

Business Response: Initial Business Response /* (1000, 5, 2013/10/16) */ Dear Mr. *****, We're proud to say that Credit Karma is an entirely free service! Our goal is to make financial information available to everyone free of charge. There are no loopholes or free trial periods. We never collect your credit card or payment information because we simply don't need it. Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. We're not a credit bureau, so we don't have extensive insight into your credit report. Visit www.AnnualCreditReport.com to access your three, free, government-mandated credit reports each year. If you have any other questions, feel free to let me know. I'd be happy to answer them. Sincerely, ********* *., Member Support Lead

10/30/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: Creditkarma.com caused my credit score to drop 10 points either by their interference or their allowance of my information by third parties. I created the account with creditkarma.com to help me monitor my credit while I worked on repairing it in hopes of being able to buy a home in a few years. I logged in to creditkarma.com a few days ago to check my credit and again today 9-5-2013. Nothing had changed according to their site and yet my credit score had dropped by ten (10) points. I have done nothing on my end to cause this and therefor it remains that it must have been creditkarma.com or one of their third party partners that they allowed to use my info that caused my cred it drop.

Desired Settlement: All I ask is that my credit be returned to the prior state it was in before the 10 point drop and that it be fixed across all three major credit reporting companies as I'm sure my credit dropped on all three.

Business Response: Initial Business Response /* (1000, 5, 2013/09/13) */ Dear Mr. *****, Checking your credit with Credit Karma doesn't lower your score. We're actually making the credit score request on your behalf (known as a soft inquiry), and those types of inquiries aren't shown to creditors. They don't affect your credit at all. Credit scores can change for many reasons. Here's a video on our blog explaining some of the common reasons why credit scores drop: http://**************************************************************************** We don't have additional insight into why your score dropped, so the best thing to do is to continue to monitor your score and make good financial moves to improve your score. I see that you decided to cancel your Credit Karma account. If you would like to reactivate your account so you can continue to monitor your credit for free, please contact us at *********************** - we'd be happy to reactivate your account for you. Regards, *****, Communications Manager Final Consumer Response /* (4200, 11, 2013/10/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) I know how credit checks work. When you check my credit it is not showing as a soft inquiry. Since you can not return my credit score to what it was before I want compensation of $100,000. This compensation will allow me to recover my credit score and take care of the aggravation creditkarma has caused me. Final Business Response /* (4000, 9, 2013/09/30) */ Dear Mr. *****, It's a very common misconception that your credit score is affected anytime you check it or someone checks it on your behalf. The type of credit check done by Credit Karma is called a soft inquiry and it doesn't affect your credit score at all. Any subsequent drop in your score was likely coincidental. You can read more about this common myth as ''Myth No. 2'' here: http://************************************************************************* So, you see, we're unable to return your credit score to what it was before you visited Credit Karma because Credit Karma did nothing to change your score in the first place. Again, I'd love to have you decide to reactivate your account and use Credit Karma as a tool to monitor your score and improve your credit health. Please contact us at *********************** if you desire to do so. Sincerely, ***** *., Communications Manager

10/30/2013 Advertising/Sales Issues | Read Complaint Details
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Complaint: Credit Karma is reporting I have a student loan balance of over $39,000. This should be zero. I advised Credit Karma but they did not correct it. Credit Karma is showing my account with a student loan balance of over $39,000. This should be zero. I contacted Credit Karma via e-mail and advised them of their error, but they did not correct the error.

Desired Settlement: Update my credit bureau showing my student loans with a zero balance.

Business Response: Initial Business Response /* (1000, 5, 2013/09/16) */ Dear Ms. *****, The purpose of Credit Karma is to provide your credit score and additional credit report data free of charge directly from TransUnion, one of the three major credit bureaus. Credit Karma is not a credit bureau, therefore we are unable to make any changes to your credit data. We simply show you what TransUnion sends to us. If you see something wrong on your Credit Karma account, that should advise you of something wrong in your TransUnion credit report. We have resources on our site that explain how you can dispute an item with TransUnion - unfortunately you can't dispute items through Credit Karma directly. Here's a great step-by-step guide on disputing errors: https://w******************************************************* If you have any other questions at all, please feel free to email us at support@creditkarma.com. Sincerely, *****, Communications Manager Final Consumer Response /* (4200, 11, 2013/10/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) The company continues to report erroneous information. I have advised Credit Karma, Inc. this information is incorrect. It is up to Credit Karma, Inc. to verify the information they are reporting. It is not the consumer's responsibility. If this is not corrected immediately, I will be forced to take legal action against the company. Final Business Response /* (4000, 9, 2013/09/30) */ Dear Ms. *****, The credit information you see is taken straight from the credit report that TransUnion sends to us. Credit Karma is not a credit bureau. We simply put the credit information that is given to us in a format that is easier to understand. Because of this, we are unable to edit the information you see on Credit Karma. You must dispute false information with TransUnion directly. I recommend that you pull a full copy of your most recent TransUnion credit report from AnnualCreditReport.com to begin this process. Here is a thorough explanation of how to dispute credit report errors: https://w******************************************************* Once the error is corrected with TransUnion, it should reflect correctly on Credit Karma within a couple of billing cycles. I understand that this is frustrating, but only TransUnion can make changes to your credit report. Sincerely, ***** *., Communications Manager

10/28/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have been trying with no success to unsubscribe from this service I have not been able to access any unsubscribe pages bvia the internet

Desired Settlement: just want to be able to unsubscribe from these services

Business Response: Initial Business Response /* (1000, 5, 2013/10/11) */ I'm sorry you want to deactivate your account. Keep in mind that Credit Karma is a completely free service. We will never charge you, nor will we or our partners ever send you spam. For security reasons, if you choose to deactivate your account, we cannot allow you to create a new account or access your old account. Please note that once an account has been deactivated, the same user may not signup for Credit Karma again until 24 months (2 years) have passed. If you still wish to cancel, please log into your account and find the "deactivate" link at the bottom of the "Security Settings" section : https://creditkarma.com/myprofile/security If you'd rather not terminate your account online, please send a letter with your name, date of birth, and the email address you used to register for your Credit Karma account to the following address: Credit Karma, Inc. ************ **************************** OR Send this information to our secure fax line: ************. We're sad to see you go, and hope you enjoyed the service. Sincerely, ******** *., Credit Karma Member Support Lead Final Consumer Response /* (2000, 11, 2013/10/28) */ (The consumer indicated he/she ACCEPTED the response from the business.) what I wanted to do in the first place has been done however I still can find no reason for their site to not be able to come up on my computer Final Business Response /* (4000, 9, 2013/10/25) */ Hi ******, I'm sorry to hear you were unable to deactivate your account. I've deactivated the account for you. Please let me know if you have any further questions. Thanks, ******** *., Member Support Lead

10/24/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: for approximately the last month and a half the website does not work I get a screen ssying "this page cannot be displayed" cannot get to the web page

Desired Settlement: input regarding what is wrong with the link, how do you get to the page to access your account

Business Response: Initial Business Response /* (1000, 5, 2013/10/23) */ Hi *****, I'm very sorry for the inconvenience. We've recently upgraded our website's security standards. In order to continue accessing Credit Karma, please upgrade your Internet browser to its latest version or follow the steps below: 1. Navigate to https://www.creditkarma.com. 2. Click on the Tools dropdown menu in the upper righthand corner of your browser. 3. Select "Internet Options". A window will pop up. 4. Click on the "Advanced" tab. 5. Scroll down to the "Security" section. 6. Check the box next to "Use TLS 1.0". 7. Click the "OK button to save your new security settings. If the issue persists, please send us your browser and browser version. Please let me know if you have any further concerns. Sincerely, ******** *, Credit Karma, Member Support Lead Final Consumer Response /* (2000, 7, 2013/10/24) */ (The consumer indicated he/she ACCEPTED the response from the business.) it was a matter of updating under my internet options to work with their latest security upgrade WHICH a lot of people do not know this and are voicing their complaints for months on a blog site and wondering. You would think since they should have everyone's email address thru their accounts that an email could've/should've gone out notifying everyone. But, thats just me - who am I. ANYWAYS my complaint is resolved and all is well. Thanks!

10/23/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: over charge on my debit card over charges on my debit card

Desired Settlement: refund of my over charges on my debit card

Business Response: Initial Business Response /* (1000, 5, 2013/09/30) */ Dear Mr. ********, I think you might be referring to a different site. Credit Karma believes that everyone should have a right to view their financial information completely free of charge. In fact, no credit card information is required to sign up with Credit Karma -- it's entirely free to become a member! I am unable to locate a Credit Karma account under your name in our database, which further leads me to believe that you were not on Credit Karma. Sometimes companies use the name "Credit Karma" without permission to get people to pay for their services. If this happened, and you remember the name of the company, let us know so that we can investigate further. Please let me know if you have any other questions. Sincerely, ***** H., Communications Manager

10/18/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: Cannot access their web site for 5 days...Pinging says their servers are down! I cannot log on to their web site at CreditKarma.com. I sent them a customer service e-mail and the e-mail said not to reply because I would then go to the bottom of the list that they would be in contact with me. I have given them alot of my information private to utilize their credit monitoring services with Transunion and I am very shy of these internet SCAMS. I just want to be deleted from thier services. I have tried for 5 days to log into their site and their servers are down. PLEASE help me to just get the heck out of their system with all my information secured. Im giving it 2 weeks before I talk with my attorny. They have no phone person to person customer support.

Desired Settlement: Taken completly off their servers and a guarantee my information is protected in writting so I may submit to my attorney.

Business Response: Initial Business Response /* (1000, 5, 2013/10/16) */ Mr. *******, It looks like you were able to access your account on 10/12/13. If this is not the case, I can help you to access your account. We've recently upgraded our website's security standards. In order to continue accessing Credit Karma, please upgrade your Internet browser to its latest version or follow the steps below: 1. Navigate to https://www.creditkarma.com. 2. Click on the Tools dropdown menu in the upper righthand corner of your browser. 3. Select "Internet Options". A window will pop up. 4. Click on the "Advanced" tab. 5. Scroll down to the "Security" section. 6. Check the box next to "Use TLS 1.0". 7. Click the "OK button to save your new security settings. If you would prefer to deactivate your account, please follow the instructions I've included