Initial Business Response / [redacted] (1000, 5, 2015/06/24) */ Hi ***, It looks like you were able to access your account and pass [redacted] security questionsIf you have further questions, please contact us at [redacted] @creditkarma.com Thanks! [redacted] P Member Support Manager Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am not able to log inWhat security questions??? Please continue to work on this for me Final Business Response / [redacted] (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 [redacted] @creditkarma.comThanks! [redacted] P Member Support Manager
Initial Business Response / [redacted] (1000, 15, 2015/08/06) */ ***Document Attached [redacted] Hi [redacted] - I understand that you're having some trouble with registrationIt looks like we were unable to verify your identity based on the details you providedUntil 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[redacted] Feel free to let me know if you have any other questionsThanks for your patience! Regards, [redacted] P Member Support Manager
Thomas - It looks like we have already responded to your support request over the last several daysPlease refer to our most recent response to your messages for further information Regards, [redacted] * Member Support Manager
All of the credit report information on Credit Karma comes straight from TransUnion and [redacted] x, two of the three major credit bureausWe're not a credit bureau, so we don't have the ability to make changes to your credit reportIn addition, Credit scores are based on many different factors and can change for unanticipated reasonsThe score calculation is proprietary to the bureaus and we have no way of knowing specifically what may have caused the change in this instanceHowever, if you are certain there is an error, please dispute it directly with the credit bureau showing the error To file a dispute with TransUnion go here: [redacted] To file a dispute with [redacted] 10-digit confirmation number is not required to fill out the form) Thanks, [redacted] -Member Support
[redacted] - You can login and view a copy of your return to verify the bank information you provided to the IRS If there was an error with the information, you will need to contact the IRS for more information at [redacted] Let me know if you have any other questions Thanks for your patience
Initial Business Response / [redacted] (1000, 5, 2015/08/10) */ Hello [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 chargeIn 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 servicesIf 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
Complaint: [redacted] I am rejecting this response because: You will never have my consent in a generalized format to submit my application to credit companies I do not have any questions about what your company does now with approval of the consumer and I have deactivated my account with you I am sure there are several other of your consumers that do not know what your definition of pre approval stands for and very few people search for what you say you have the right to do with personal information before they go to the portion of your website that you say is just to see what you are pre approved for I find it amazing that you even sent me emails to urge me to see what loans I was pre approved for and not tell me that you were going to send applications off for me I can get my credit scores through my credit cards, I don't need youSincerely, [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/12/16) */ [redacted] - Thank you for sending us a support ticket regarding this matterWe have responded to your support ticket regarding the details of this account and the action required on your partPlease feel free to follow up with this ticket if you have further questions Regards, [redacted] P Member Support Manager
Initial Business Response /* (1000, 5, 2016/01/08) */
*** -
I'm sorry for the frustrationWe have not yet received your documents, so we have not processed themWe anticipate that our turnaround time on mail and faxes may be slightly longer than business days as we are experiencing a
higher than average number of requests from members
If it has been longer than 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 agencyIf 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.comThank 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:am via emailThis 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 emailAs instructed in our previous correspondence to you, please mail or fax your documentsThanks for your patience
Regards,
*** P
Member Support Manager
Initial Business Response /* (1000, 5, 2015/07/17) */
*** -
Hard inquiries are reported to the credit bureausAll of the credit report information on Credit Karma comes straight from TransUnion and Equifax, two of the three major credit bureausWe'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.p...⇄ />
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
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 usIn 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 membersOnce 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 yearsThey 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
It appears that our system has identified your phone number as one belonging to a Voice of IP system
Unfortunately, our provider will not allow you to verify your identity using Voice over IP (VoIP) when registering your account or registering a new device.We apologize for the inconvenience
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 chargeIn 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 servicesIf 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
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***
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/Please let me know if you have any further questions
Regards,
***
P
Member Support Manager
The HSA Other Income item is flowing from WBox - Employer Contribution to HSATo exclude this amount from income, you will need to enter a value for unreimbursed qualified medical expenses on your returnTo do this, you can navigate to Federal Taxes -> Deductions->Distributions from
1099-SAs Also, if you received a 1099-SA, you will need to enter that in this location as well.As an alternative, you can also search for "HSA Expenses" in the search box and click the direct link to HSA expenses there to enter the value of unreimbursed qualified medical expenses paid with your HSA funds received.If you have already entered a 1099-SA and need to edit it, you can log into Credit Karma Tax and navigate to this URL: ***If you have any other HSA related items to enter, such as HSA rollover information or any other HSA contributions or distributions, you can log into Credit Karma Tax and navigate to this URL: *** Regards, Credit Karma Member Support
Initial Business Response /* (1000, 5, 2015/12/01) */
*** -
We received your letter, and deactivated an account matching your personal informationNo 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 identityIt'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....⇄ 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 business daysWhen your account has been updated we will let you know with a confirmation email
**In this circumstance, some people prefer to file a police reportIf 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 letterMy written request was sent Oct more than days agoThat is well outside the 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 practicesThe instructions in my last response were provided in the circumstance that you would like to reactivate the account using your own personal email addressIf 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 agencyIf 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.comThank 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
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
scoreWe 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 scoresWe 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 serviceWe 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
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 chargeIn 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 servicesIf 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
Complaint: ***
I am rejecting this response because: I Tried to submit ticket but the button would not let me continue and I have yet to receive the email password reset linkThe submit button would not work
Sincerely,
*** ***
Initial Business Response / [redacted] (1000, 5, 2015/06/24) */ Hi ***, It looks like you were able to access your account and pass [redacted] security questionsIf you have further questions, please contact us at [redacted] @creditkarma.com Thanks! [redacted] P Member Support Manager Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am not able to log inWhat security questions??? Please continue to work on this for me Final Business Response / [redacted] (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 [redacted] @creditkarma.comThanks! [redacted] P Member Support Manager
Initial Business Response / [redacted] (1000, 15, 2015/08/06) */ ***Document Attached [redacted] Hi [redacted] - I understand that you're having some trouble with registrationIt looks like we were unable to verify your identity based on the details you providedUntil 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[redacted] Feel free to let me know if you have any other questionsThanks for your patience! Regards, [redacted] P Member Support Manager
Thomas - It looks like we have already responded to your support request over the last several daysPlease refer to our most recent response to your messages for further information Regards, [redacted] * Member Support Manager
All of the credit report information on Credit Karma comes straight from TransUnion and [redacted] x, two of the three major credit bureausWe're not a credit bureau, so we don't have the ability to make changes to your credit reportIn addition, Credit scores are based on many different factors and can change for unanticipated reasonsThe score calculation is proprietary to the bureaus and we have no way of knowing specifically what may have caused the change in this instanceHowever, if you are certain there is an error, please dispute it directly with the credit bureau showing the error To file a dispute with TransUnion go here: [redacted] To file a dispute with [redacted] 10-digit confirmation number is not required to fill out the form) Thanks, [redacted] -Member Support
[redacted] - You can login and view a copy of your return to verify the bank information you provided to the IRS If there was an error with the information, you will need to contact the IRS for more information at [redacted] Let me know if you have any other questions Thanks for your patience
Initial Business Response / [redacted] (1000, 5, 2015/08/10) */ Hello [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 chargeIn 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 servicesIf 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
Complaint: [redacted] I am rejecting this response because: You will never have my consent in a generalized format to submit my application to credit companies I do not have any questions about what your company does now with approval of the consumer and I have deactivated my account with you I am sure there are several other of your consumers that do not know what your definition of pre approval stands for and very few people search for what you say you have the right to do with personal information before they go to the portion of your website that you say is just to see what you are pre approved for I find it amazing that you even sent me emails to urge me to see what loans I was pre approved for and not tell me that you were going to send applications off for me I can get my credit scores through my credit cards, I don't need youSincerely, [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/12/16) */ [redacted] - Thank you for sending us a support ticket regarding this matterWe have responded to your support ticket regarding the details of this account and the action required on your partPlease feel free to follow up with this ticket if you have further questions Regards, [redacted] P Member Support Manager
Initial Business Response /* (1000, 5, 2016/01/08) */
*** -
I'm sorry for the frustrationWe have not yet received your documents, so we have not processed themWe anticipate that our turnaround time on mail and faxes may be slightly longer than business days as we are experiencing a
higher than average number of requests from members
If it has been longer than 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 agencyIf 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.comThank 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:am via emailThis 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 emailAs instructed in our previous correspondence to you, please mail or fax your documentsThanks for your patience
Regards,
*** P
Member Support Manager
Initial Business Response /* (1000, 5, 2015/07/17) */
*** -
Hard inquiries are reported to the credit bureausAll of the credit report information on Credit Karma comes straight from TransUnion and Equifax, two of the three major credit bureausWe'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.p...⇄ /> 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
Initial Business Response /* (1000, 5, 2015/08/31) */⇄ />
To file a dispute with Equifax, please head over to the Equifax site here: https://www.ai.equifax.com/CreditInvestigation/home.action
*** -
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 usIn 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 membersOnce 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 yearsThey 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
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
It appears that our system has identified your phone number as one belonging to a Voice of IP system
Unfortunately, our provider will not allow you to verify your identity using Voice over IP (VoIP) when registering your account or registering a new device.We apologize for the inconvenience
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 chargeIn 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 servicesIf 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
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***
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/Please let me know if you have any further questions
Regards,
***
P
Member Support Manager
The HSA Other Income item is flowing from WBox - Employer Contribution to HSATo exclude this amount from income, you will need to enter a value for unreimbursed qualified medical expenses on your returnTo do this, you can navigate to Federal Taxes -> Deductions->Distributions from
1099-SAs Also, if you received a 1099-SA, you will need to enter that in this location as well.As an alternative, you can also search for "HSA Expenses" in the search box and click the direct link to HSA expenses there to enter the value of unreimbursed qualified medical expenses paid with your HSA funds received.If you have already entered a 1099-SA and need to edit it, you can log into Credit Karma Tax and navigate to this URL: ***If you have any other HSA related items to enter, such as HSA rollover information or any other HSA contributions or distributions, you can log into Credit Karma Tax and navigate to this URL: *** Regards, Credit Karma Member Support
Initial Business Response /* (1000, 5, 2015/12/01) */
*** -
We received your letter, and deactivated an account matching your personal informationNo 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 identityIt'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....⇄ 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 business daysWhen your account has been updated we will let you know with a confirmation email
**In this circumstance, some people prefer to file a police reportIf 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 letterMy written request was sent Oct more than days agoThat is well outside the 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 practicesThe instructions in my last response were provided in the circumstance that you would like to reactivate the account using your own personal email addressIf 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 agencyIf 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.comThank 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
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
scoreWe 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 scoresWe 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 serviceWe 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
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 chargeIn 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 servicesIf 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
Complaint: ***
I am rejecting this response because: I Tried to submit ticket but the button would not let me continue and I have yet to receive the email password reset linkThe submit button would not work
Sincerely,
*** ***