Initial Business Response /* (1000, 5, 2016/01/19) */
[redacted] -
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,
[redacted] P.
Member Support Manager
Initial Consumer Rebuttal /* (2000, 7, 2016/01/21) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 5, 2015/09/29) */
Hi [redacted], -
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.
[redacted] P.
Member Support Manager
Initial Business Response /* (1000, 5, 2016/01/14) */
[redacted] -
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 [redacted]@creditkarma.com. Thank you for your patience.
Regards,
[redacted] P.
Member Support Manager
Initial Business Response /* (1000, 5, 2016/01/19) */
[redacted] -
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,
[redacted] P.
Member Support Manager
Hi [redacted]It looks like the Adjusted Gross Income (AGI) you entered didn’t match what the IRS has on file for you from last year’s return.AGI is an individual's total gross income minus some specific deductions. Many tax items are often based off an individual's AGI such as medical expenses,...
miscellaneous itemized deductions, and even income tax in some states.You can find your AGI on last year's tax return:Form 1040: line 37Form 1040A: line 21Form 1040EZ: line 4If you didn't file a return last year, you can still use the AGI option to electronically sign your return. Just enter "0" as your AGI.If you don’t have access to last year’s return, you can get your IRS transcript [redacted]) to view your AGI.You can adjust your previous year's AGI here: [redacted] Regards, [redacted]Member Support Manager
Complaint: [redacted]
I am rejecting this response because: The business wishes me to provide personal information in order to cancel an account I never signed up for. It is precisely because I do not wish to share personal information with this business that I want the account cancelled. In light of the Equfax breach and many like it it is absurd to think my information would be safe and/or not monetised by this company. Quite simply: They know who I am, they know the account in question, and they know I want it cancelled. To require more personal information from me to do this is unethical at best, and possibly illegal.
Sincerely,
[redacted]
Initial Business Response /* (1000, 5, 2016/01/11) */
[redacted] -
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,
[redacted] P.
Member Support Manager
Initial Business Response /* (1000, 5, 2015/08/31) */
[redacted],
The account in question never passed [redacted] 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,
[redacted] P.
Member Support Manager
I'm unable to find an account matching the information you've provided here or in the support ticket you sent to us in January. There is not a Credit Karma account that matches your name and date of birth.
If you have used other names in the past, you're welcome...
to follow up and send us another support ticket ([redacted] and provide that information so we can further research your circumstances.
Initial Business Response /* (1000, 5, 2016/01/11) */
[redacted] -
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,
[redacted]
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) */
[redacted] -
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,
[redacted]
Member Support Manager
Initial Business Response /* (1000, 5, 2015/10/16) */
[redacted] -
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,
[redacted] 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 [redacted] 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. [redacted] responded stating all is well, same thing again
Previous complaint Revdex.com CASE#: XXXXXXXX
When I try to log in, I get a statement that user name or password ** not correct.
Ms. [redacted] 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,
[redacted] P.
Member Support Manager"
Was able to access for a few weeks, as of today I am locked out once again.
Previous complaint Revdex.com 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) */
[redacted] -
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.
[redacted] P.
Initial Business Response /* (1000, 5, 2015/12/16) */
[redacted] -
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,
[redacted] P.
Member Support Manager
Initial Business Response /* (1000, 5, 2015/05/28) */
[redacted] -
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.
[redacted] P.
Member Support Manager
There may be a misunderstanding here. When there is a possible fraud situation, an agent will immediately deactivate the account. If a member chooses to have that account tied to their personal email, we will ask for verification documents so we can update the account and change the email address....
If you would like a followup, I would be happy to personally look into this for you. Please email us again here: [redacted] and include "Revdex.com Complaint" in the subject line so I can locate your email. Thanks,[redacted]- Member Support
Complaint: [redacted]I am rejecting this response because:
Setting this up with My Spending is not explained on your web site and your support team didn't know that either.
Sincerely,[redacted]
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://[redacted].
Thanks for your patience,
[redacted] P.
Member Support Manager
Your security is extremely important to us. When our Support Agents become aware of any possible fraudulent activity they suspend the account immediately. If you have still not had any assistance, please reach out to our Support Team again so that they could look into this further for...
Revdex.com: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, [redacted]
Initial Business Response /* (1000, 5, 2016/01/19) */
[redacted] -
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,
[redacted] P.
Member Support Manager
Initial Consumer Rebuttal /* (2000, 7, 2016/01/21) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 5, 2015/09/29) */
Hi [redacted], -
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.
[redacted] P.
Member Support Manager
Initial Business Response /* (1000, 5, 2016/01/14) */
[redacted] -
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 [redacted]@creditkarma.com. Thank you for your patience.
Regards,
[redacted] P.
Member Support Manager
Initial Business Response /* (1000, 5, 2016/01/19) */
[redacted] -
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,
[redacted] P.
Member Support Manager
Hi [redacted]It looks like the Adjusted Gross Income (AGI) you entered didn’t match what the IRS has on file for you from last year’s return.AGI is an individual's total gross income minus some specific deductions. Many tax items are often based off an individual's AGI such as medical expenses,...
miscellaneous itemized deductions, and even income tax in some states.You can find your AGI on last year's tax return:Form 1040: line 37Form 1040A: line 21Form 1040EZ: line 4If you didn't file a return last year, you can still use the AGI option to electronically sign your return. Just enter "0" as your AGI.If you don’t have access to last year’s return, you can get your IRS transcript [redacted]) to view your AGI.You can adjust your previous year's AGI here: [redacted] Regards, [redacted]Member Support Manager
Complaint: [redacted]
I am rejecting this response because: The business wishes me to provide personal information in order to cancel an account I never signed up for. It is precisely because I do not wish to share personal information with this business that I want the account cancelled. In light of the Equfax breach and many like it it is absurd to think my information would be safe and/or not monetised by this company. Quite simply: They know who I am, they know the account in question, and they know I want it cancelled. To require more personal information from me to do this is unethical at best, and possibly illegal.
Sincerely,
[redacted]
Initial Business Response /* (1000, 5, 2016/01/11) */
[redacted] -
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,
[redacted] P.
Member Support Manager
Initial Business Response /* (1000, 5, 2015/08/31) */
[redacted],
The account in question never passed [redacted] 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,
[redacted] P.
Member Support Manager
[redacted] -
I'm unable to find an account matching the information you've provided here or in the support ticket you sent to us in January. There is not a Credit Karma account that matches your name and date of birth.
If you have used other names in the past, you're welcome...
to follow up and send us another support ticket ([redacted] and provide that information so we can further research your circumstances.
Thanks for your patience,
[redacted]
Member Support Manager
Initial Business Response /* (1000, 5, 2016/01/11) */
[redacted] -
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,
[redacted]
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) */
[redacted] -
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,
[redacted]
Member Support Manager
Initial Business Response /* (1000, 5, 2015/10/16) */
[redacted] -
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,
[redacted] 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 [redacted] 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. [redacted] responded stating all is well, same thing again
Previous complaint Revdex.com CASE#: XXXXXXXX
When I try to log in, I get a statement that user name or password ** not correct.
Ms. [redacted] 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,
[redacted] P.
Member Support Manager"
Was able to access for a few weeks, as of today I am locked out once again.
Previous complaint Revdex.com 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) */
[redacted] -
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.
[redacted] P.
Unfortunately we are unable to change the phone number tied to a Credit Karma Tax account at this time.
I'm sorry for any inconvenience, but you're welcome to check back with us as often as you'd like for an update.
Regards,
[redacted]
Member Support manager
Initial Business Response /* (1000, 5, 2015/12/16) */
[redacted] -
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,
[redacted] P.
Member Support Manager
Initial Business Response /* (1000, 5, 2015/05/28) */
[redacted] -
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.
[redacted] P.
Member Support Manager
For your records: I cancelled account and checked on credit bureau files and did not see
any hard inquires.
There may be a misunderstanding here. When there is a possible fraud situation, an agent will immediately deactivate the account. If a member chooses to have that account tied to their personal email, we will ask for verification documents so we can update the account and change the email address....
If you would like a followup, I would be happy to personally look into this for you. Please email us again here: [redacted] and include "Revdex.com Complaint" in the subject line so I can locate your email. Thanks,[redacted]- Member Support
Complaint: [redacted]I am rejecting this response because:
Setting this up with My Spending is not explained on your web site and your support team didn't know that either.
Sincerely,[redacted]
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://[redacted].
Thanks for your patience,
[redacted] P.
Member Support Manager
Your security is extremely important to us. When our Support Agents become aware of any possible fraudulent activity they suspend the account immediately. If you have still not had any assistance, please reach out to our Support Team again so that they could look into this further for...
you. [redacted]
Thanks!
Revdex.com: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, [redacted]