• Report: #837434
Complaint Review:


  • Submitted: Fri, February 10, 2012
  • Updated: Mon, April 14, 2014

  • Reported By: Dennis — Quincy Florida United States of America
creditkarma.com Internet United States of America

CreditKarma.com Credit Karma, Inc. PERSONAL INFORMATION THEFT SCAM!!! creditkarma.com, Internet

*Consumer Comment: 2017 BBB

*Consumer Comment: wasn't hard to find corporate info

*Consumer Comment: Credit Karma: follow-up to latest complaint

*Consumer Comment: Dear CEO

*Consumer Comment: You entered a phishing site...NOT Credit Karma

*Consumer Comment: not a scam

*Consumer Suggestion: Win-Win Partnerships Requires Accountability

*Consumer Comment: Third Party Enticements, Credit Karma

*Consumer Comment: Upset Customer

*Consumer Comment: Credit Karmer and the BBB

*Consumer Comment: Re: Credit Karma rebuttal

*REBUTTAL Owner of company: CEO

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On Jan 24th I registered an account with Creditkarma.com.  It claims to be a truly free credit monitoring site to monitor your credit score.  I was able to log in on Jan 24th and see my information.  I could tell from the items on the credit report that it was in fact my credit report.  One week later Feb 1st I tried to log in again and was informed that my account had been deactivated.  I contacted Credit Karma, Inc via E-mail which is the only contact information they have.  From then on their responses have varied from me not entering the information correctly to the account not existing at all.  Yet as of today Feb 11th when trying to log in to the account it still says the account has been deactivated.  I have attempted to communicate with them every business day since Feb 1. [continued below]....
.....  They offer no resolution yet they have all my personal information.  Name, address, SSN#, DOB and my entire credit history.  In addition to filing this report I have alerted the FBI, FCC, FTC, and BBB.  Do not let this company have your information!!!

This report was posted on Ripoff Report on 02/10/2012 10:40 PM and is a permanent record located here: http://www.ripoffreport.com/reports/creditkarmacom/internet/creditkarmacom-credit-karma-inc-personal-information-theft-scam-creditkarmacom-int-837434. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 Consumer Comment

2017 BBB

AUTHOR: Jaszie - (USA)

I just looked at their BBB grade and it is an 'F'. Big difference.

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#2 Consumer Comment

wasn't hard to find corporate info

AUTHOR: Mot - ()

Professional consumer advocate? Scarcely. Doesn't even know how to look-up basic information about a corporation which is a legally registered entity.  Easiest thing to do. Nor would any pro utilize internet opinion sites as the sole source for determining the legitimacy and legality of a company.  Google search results are notoriously easy to manipulate. That's amateur laziness, not professional conduct.  There may well be numerous legitimate complaints about a company, but  puffing up one's own credentials to falsely claim greater authenticity to an opinion is not the way to go.  Credit Karma, Inc. is a Delaware corporation. Its principal business office is 115 Sansome Street, Suite 400, San Francisco, CA 94104. Look up the phone number yourself. It wasn't hard to find.

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#3 Consumer Comment

Credit Karma: follow-up to latest complaint

AUTHOR: jhoust - ()

I, too, became suspicious of their aggressive ads, which boast everything is free.  So, I went to their website and looked for a "contact us" button, but could find none, nor even a "contact us" webform to submit.

My goal was to inquire how they offer a truly free service, without making any money.

My experience, as a professional consumer's advcate, is to reject as legitimate any website that contains neither a contact telephone, webform nor customer service email.  Failing in these three initial qualifiers, my next step is to enter their name with a negative term on Google and see what results.

Not to my surprise, I found this Rip-off Report, complaing about personal information being collected, then the user's account is disabled, leaving the victim with no way to contact Credit Karma; meanwhile, their consumer info is potentially up for grabs by whomever the wheelman is behind Credit Karma.

There is nothng free on the Internet; never was, never has been, never will be.

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#4 Consumer Comment

Dear CEO

AUTHOR: Jimshead - ()

You make money somehow, there's no doubt the 'anything too good to be true is', and 'nothng is free' apply. So I can deduce, your failure to  address the countless calls and emails people get once they view the 'free report' that your cash is made selling information. An easy deduction to make once more than 5 people have the same complaint, not a fluke. So nice ads on TV, ya almost got me, I mean I was on the sign up page and decided to investigate 1st, that's how close, The 80 plus BBB reports didn't help either. 

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#5 Consumer Comment

You entered a phishing site...NOT Credit Karma

AUTHOR: Robin - ()

I have used Credit Karma for years and they have NEVER asked me for a credit card number.  Your first clue that you are not logged into a free site is the request for any of your personal financial information.  If that happens, look at the top of your computer at exactly what site you have reached...you will then see it is NOT Credit Karma.  I find it so unfair that these bogus companies get away with doing this, but it happens over and over because people log into sites by clicking into a link rather than actually entering the web address of the company they are looking for.  No reputable site that advertises a service for free will ask for credit card information...even for a $1.00 "processing fee."  That is the oldest trick in the book for getting your account number to charge you a fee when you don't cancel their service within a certain time period.  Believe me when I tell you there is fine print underneath every request for a $1.00 processing fee which spells out that your card will be charged a specific amount if you don't cancel their service by a specific date.  Never give your card number out unless you are prepared to pay whatever the "free" service says you owe them when you agree to terms you didn't know you were agreeing to When you paid their "processing fee."  Also, the company you gave your information to IS a company that supplies credit information to consumers...they just don't supply it for free.  They are not attempting to steal your identity with the personal information you gave them, just trying to trick you into paying for something you think you are receiving for free.

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#6 Consumer Comment

not a scam

AUTHOR: TexasLady - ()

I have been using Credit Karma for almost 2 years. It is not a scam. They do not ask for your credit card info. I have used one of their suggestions to lower my care payment. I really think that some of the people here have wandered onto a phishing site.

I have recommended Credit Karma to others because of how helpful the site is. The suggestions for ways to save you money or improve your score are just that, suggestions and you don't have to utilize any of them to use the site.

I have filed complaints against bad companies myself and definitely know we should do that to make others aware. But I think it is wrong to complain about a good company that is providing a helpful service when the problem is someone not doing due diligence on their end. If you paid for a free service, you were scammed, but you weren't scammed by Credit Karma and you need to handle your business to get things straight.

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#7 Consumer Suggestion

Win-Win Partnerships Requires Accountability

AUTHOR: mjP - ()

I have been using Credit Karma for six months and I have yet to pay a cent. I am certain when I use one of thier preferred programs I am going to pay for it. I have used  two of the three Big Credit companies and I had to pay for their services upfront. Was it worth the value?I am not sure.  

I would expect a company that has my personal information would shut me down if something appear out  of the norm. Informations that is inconsistant with the data you provided should be shut down immediately. I  would  rather deal with a small issue than having a breach of security.  

Would it take some time and effort to correct it  with Credit Karma, I don't know.  I can tell you that I had an acccount stolen by a company who transacts financial transaction with the largest online auction  company Every computer in house, four, had to be re-formated and scrubbed, Every automatic payment  had to be re-established, every site I logged into had to be redone. Three months of work because they made a mistake.

Todays world is full of people expecting immediate satisfaction, and instantaneous gratification. In other words you expect someone else to do the work that you never paid for. Take some accountibility, stop whining and work with the companies, you do business with. 

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#8 Consumer Comment

Third Party Enticements, Credit Karma

AUTHOR: The Tall Paul - ()

I use Credit Karma regularly.  I have even gotten a couple credit cards through their suggested cards.  However, getting the credit cards and getting your credit report are exactly the same process, third parties.  I went through the scam with the credit report people and was even charged approximately $40.00 for a monthly fee with a credit reporting company that I could not sign in with.

After calling American Express and having the charge removed, I went back to Credit Karma and did a little investigating.  Since I had been using their service for over a year with nothing like this happening, I knew something was wrong.  I went through the free credit report process again, up to the giving my credit card information point.  Then, I checked to see what site I was on.  It wasn't Credit Karma anymore, but rather a scam site.  The same thing is done applying for credit cards, going to another site.  Of course, these sites are actual businesses. 

I got the contact information for the company and cancelled my account, informing them they wouldn't be paid.  Surprisingly, they even refunded my original dollar.  So, while Credit Karma may being carrying ads and links to some shadey sites, they have never asked for penny from me and I still use it.  It pays to pay attention to where the buttons you click take you.

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#9 Consumer Comment

Upset Customer

AUTHOR: Terri Salvucci - ()

CreditKarma advertises free Credit Report, I just looked at my Bank Statement to find out that they hit my account for $ 30.00 what is so free about that.

This is false advertising, I would not have done this Credit Report if it was going to cost me $ 30.00. 

The ad states that it is completely free, and as soon as I started filling out the information online it asked for my credit card information they were going to charge me $ 1.00, I guess shame on me for giving them my credit card information. 

I want everyone to know what a scam this is.

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#10 Consumer Comment

Credit Karmer and the BBB

AUTHOR: B - ()

 I checked with the BBB and there arev only 80 complaints. They have an A rating with the BBB. My credit report with them is correct and within 5 points of a $$$$ credit reporting Company.

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#11 Consumer Comment

Re: Credit Karma rebuttal

AUTHOR: Vegasmom - (United States of America)

I recently went to Credit Karma's website and found out after giving all my personal information that while the information about my credit history was correct, they were at least 150 points off for my actual credit score. I just received my score last week from a reputable source so I know what it is. Since the day I created the account, I have been bombarded day and night with telemarketer calls and e-mails. I do not have bad credit, I was just interested in the daily monitoring because of identity theft in the past. This company is a SCAM and I am reporting them to my state's Attorney General and BBB.

Their phone number goes straight to a voice mail and they never identify it as Credit Karma. Beware of this "company". You are better of fcontacting the three credit reporting agencies. I now have to put a fraud alert on my credit report because of giving these lowlifes my personal information. Credit Karma is a fraud and their only purpose is to give other lowlifes your phone number and e-mail address.
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#12 REBUTTAL Owner of company


AUTHOR: CKFounder - (United States of America)

Hello. I am the CEO of Credit Karma. I specifically remember reading your customer service complaint as it was escalated to me. The problem is that you won't provide more details about your account. We have over 4 million members. The two pieces of information that you provided don't match. It is clear that you created an account with Credit Karma. However, when you attempted to create another one, we flagged you as a dupe and deactivated the second. It is not a scam, simply security. If you would just cooperate with our customer service team and answer the questions they asked, we could get this resolved. 
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