Credit card -- Advertising and marketing, including promotional offers -- Complaint #9659453
Complaint Overview
Complaint ID: 9659453
Company: Credit Karma, LLC
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Didn't receive advertised or promotional terms
State: Indiana
ZIP Code: 462XX
Date Received: 2024-07-28T12:00:00-05:00
Date Sent to Company: 2024-07-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/year> I accessed the Credit Karma app using my XXXX and there was a credit card offer where Credit Karma claimed I had a 100 % chance of being approved, but on the off-chance I wasn't approved they would give me {$50.00} from their Credit Karma Guarantee . I applied for the XXXX XXXX and was denied. I reached out to customer service and their initial response advised it could be several days for the credit card lender to notify Credit Karma that I was denied and if I was eligible for the Cards Karma Guarantee, I would receive an automated email from Credit Karma. I reached back out on XX/XX/year> to customer service and this time they advised that I was eligible for the {$50.00} payment. The email response claims I would receive another email with steps on how to redeem the payment. I reached back out on XX/XX/year> asking about the email for the payment information and its as if I had never contacted customer service before. The new representative sent me an email with the same information the rep sent me back on XX/XX/year>. I responded to the new representative 's email with a screenshot from the XX/XX/year> and as of today have not heard back from anyone. With the way Credit Karma 's outsourced customer service representatives have treated me I think it would be safe to say the promise of a {$50.00} payment was simply to get more people to enter their personal information for them to have and did not ever intend to give anyone any money.
Frequently Asked Questions
What is Complaint #9659453 about?
Complaint #9659453 was filed against Credit Karma, LLC regarding Credit card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2024-07-28T12:00:00-05:00.
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 (Credit card) 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.