Checking or savings account -- Problem caused by your funds being low -- Complaint #14245683
Complaint Overview
Complaint ID: 14245683
Company: Credit Karma, LLC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem caused by your funds being low
Sub-Issue: Overdrafts and overdraft fees
State: Georgia
ZIP Code: 30092
Date Received: 2025-06-23T12:00:00-05:00
Date Sent to Company: 2025-06-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, a temporary hold of {$300.00} was placed on my Credit Karma Money account by XXXX. The next day, on XX/XX/XXXX, XXXX finalized charges were posted {$270.00} and {$13.00} totaling {$280.00}. Although the final transaction amount was less than the held amount, the full {$300.00} was never adjusted or released, leaving the difference and my remaining balance inaccessible. This caused my account to reflect less money than I actually had, leading to unnecessary hardship. I contacted both XXXX and Credit Karma. XXXX confirmed that the hold should have been adjusted once the final charge posted, and that it was a temporary authorization. However, Credit Karma support offered no resolution and continues to hold the full amount days later. I am requesting the immediate release of all remaining funds tied to this temporary hold and better communication from Credit Karma about how these authorizations are handled. I have already changed my payroll provider and plan to close my line of credit and account with them once the issue is resolved.
Frequently Asked Questions
What is Complaint #14245683 about?
Complaint #14245683 was filed against Credit Karma, LLC regarding Checking or savings account specifically about Problem caused by your funds being low. It was received by the CFPB on 2025-06-23T12:00:00-05:00.
How did Credit Karma, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Credit Karma, LLC?
Yes, visit the Credit Karma, LLC company profile at readthecomplaint.com/company/credit-karma-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.