Hi, ***I understand your concerns and I'm happy to provide clarificationOur Credit Monitoring services helps you keep an eye on your TransUnion and now Equifax credit reports by monitoring both credit reports on a rolling, daily basis and alerting you if we notice significant changesIf you
would like notifications on transaction purchases, you must connect your bank and/or credit card accounts to our "My Spending" featureAgain, our Credit Monitoring feature alerts you when there has been any changes made to your credit reportIt does not alert you for transactions.
If you have any other questions about this, you can always reach out to our Support Team here: ***
Thanks for your understanding!
- ***, Member Support
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 this form with the requested documentation:***For security reasons, please do not send your personal information or documentation by e-mail.** Feel free to let me know if you have any other questionsThanks for your patience! Regards,*** **Member Support Manager
Mr*** -
It looks like you deactivated your own account on 3/7/
For your security, once your membership is canceled, our system doesn’t let you create a new Credit Karma account for months
I’m sorry for any inconvenienceYou’ll be able to sign up again on
September 8,
Thanks for your patience
Initial Business Response /* (1000, 5, 2015/06/24) */
*** -
The credit scores you receive on Credit Karma come straight from TransUnion and Equifax, two of the three major national credit bureausIt's not uncommon for scores to varyEach consumer has dozens of different credit scores,
though most people believe that each person just has one
Credit scores can vary for lots of reasonsFirst, each of the three credit bureaus can have slightly different credit report information for youSecondly, the credit score model has a slightly different formula that takes into account over different factors of your credit report; like a thumbprint, no credit score model is exactly the sameThird, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day
Comparing several credit scores will always be different, since all the models are inherently differentTracking one credit score over time, shows you the ups and downs in your score that could signal a significant change in your credit health
You can also read more about credit score differences here:https://www.creditkarma.com/article/differentscores
Hope this helps! If you have more questions, please feel free to let me know
*** P
Member Support Manager
Initial Business Response /* (1000, 5, 2015/06/24) */
***,
I'm sorry for the frustrating experienceBy clicking on the check box during the registration process, you have agreed to our Terms of Use and Privacy Policies
We responded to your support ticket on June 14thThe questions that
you are provided with during registration are based on information on your credit reportThey are meant to ensure that the personal information you provided directly matches you to the appropriate information on file with the credit bureaus
You have canceled your membershipWe cannot allow you to establish a new Credit Karma account for six monthsPlease feel free to contact us again at ***@creditkarma.com if you have further questions
Regards,
*** P
Member Support Manager
Initial Business Response /* (1000, 5, 2015/05/06) */
***,
Your credit score can change at any time, or stay the same for quite some timeThere are many factors that impact your score, so specific credit activity may not always result in the kind of change you expect
Our website has
a blog post explaining credit score changes in more depth: http://blog.creditkarma.com/credit-101/credit-scores/credit-101-credit-score-cha...⇄ />
The advertisements and offers you see on our site enable us to make this service free for you
Our free credit scores are provided by partners who share in our vision that consumers should have free access to their score
Please let me know if you have additional questions
*** P
Member Support Manager
Initial Business Response /* (1000, 5, 2015/06/02) */
Hi ***,
It looks like you were able to complete registration and access your Credit Karma accountPlease let me know if you have any additional questions
Regards,
*** P
Member Support Manager
Initial Consumer Rebuttal
/* (2000, 7, 2015/06/03) */
6-2-
Sent via email:
Mrs***,
Thank you for contacting me in regards to my complaint with Credit Karma
The answer is yes my issue has been resolved
Here is their response:
I'm sorry - While Credit Karma may have previously shown other scoring models, we currently only show you your VantageScore score, provided individually by TransUnion and Equifax.
Each scoring model has a slightly different formula for analyzing the many different factors of your
credit report and each person has many different credit scores.VantageScore incorporates a broader set of credit-related data and can score up to 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 is a strong predictor for what the banks may see.Please let me know if you have any further questions
*** *
Member Support Manager
It looks like you opted to allow Credit Karma to check participating lenders for pre-approved personal loan offers for you here on Credit Karma: ***If you would like to opt out, please simply navigate to that page, and type STOP into the field to stop
future pre-approvals.It sounds like you received this message because you did not meet the lender's pre-approval requirements.You never actually applied for this loan and no hard inquiry was made on your credit reportThe only information passed on to this lender was gained via a soft inquiry, which will not appear on your credit report and won't affect your score at all.Please let me know if you have any further questions about this matter. *** *.Member Support Manager
Initial Business Response /* (1000, 5, 2015/10/07) */
Hi *** -
It sounds like your email address was mistakenly used to open a Credit Karma accountIf you wouldn't mind emailing us at ***@creditkarma.com and letting us know what email address you are receiving emails at, we can remove
your email address from our database
Thanks for your patience,
*** P
Member Support Manager
Initial Consumer Rebuttal /* (2000, 7, 2015/10/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank youI will email ***@creditkarma.com with my email address that I wish to have removed from your databasePlease note that I have already emailed CreditKarma twice, notifying your company that I did not sign up and my email was being used by another person, but I received no responseI hope this time you will take action to remove my email from your databaseThank you
Complaint: ***
I am rejecting this response because:Why did it take them over days to respond? I had to send multiple emails and the only way I ever got a resolution was to email their legal department And I found that address through the Revdex.com site. This business should be required to provide a valid phone number for Customer Service Check out the complaints on your Revdex.com site, they all say the same thing We're powerless to contact them when something goes wrong Eit her provide a phone number or shut them down! number to contact them!
Sincerely,
*** ***
*** -Unfortunately, we can't know for sure if lenders will approve or decline applications, as it's totally up to the lenderHowever, we do the best we can by basing our approval odds on historical data.Credit Karma estimates your Approval Odds by comparing your credit profile with data about
other members who were approved for this productThough 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 canOur goal is to always do what's best for our members.Regards,*** **Member Support Manager
Initial Business Response /* (1000, 5, 2015/09/29) */
*** -
Unfortunately, we can't know for sure if lenders will approve or decline applications, as it's totally up to the lenderHowever, we do the best we can by basing our approval odds on historical data
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 canOur goal is to always do what's best for our members
If you did not authorize the hard inquiry, it can be removed
If you have a hard inquiry that you did not authorize, you may need to file a dispute with the credit bureaus to have it removed
Please feel free to let me know if you have any more questions
Regards,
*** P
Member Support Manager
Initial Consumer Rebuttal /* (3000, 7, 2015/10/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
my response to them
I want to know what criteria deemed me "very good" at obtaining the Discover It credit cardI would also like to know if Discover Card pays Credit Karma a fee for you to advertise their credit cards on your websiteI understand that what has happened to me has happened to many other of your MembersWhy would you even suggest to anyone that they have very good chances at obtaining a credit card when you obviously are not even close to being accurateYour recommendations cause your Members credit scores to suffer because off your false/lying/misleading informationI find this to be completely unethicalAgain, I am requesting you to get in touch with Discover Card and have the inquiry removed from my credit report immediatelyBelow is a screen shot showing you that Credit Karma listed Discover It as my "Top Recommendation" and in green my approval odds are "very good"A lieI want to be put in touch directly with the CEO of Credit Karma
Credit Karma's response to my above reply
***, Sep 25, 3:PM:
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
***
Member Support Specialist
________________________________________
my reply to Credit Karma
If you have "limited data" than how can you possible say my chances (or anyone's chances) are very good at obtaining a credit card (especially with limited data)It seems that your incorrect on many of your "assumptions" and as a result you are hurting (if not destroying) people's credit scores with your false/misleading advertisingIf your "assumptions may not accurately reflect my outstanding loans or the particular terms or conditions of the lenders offer" than again I ask, how can you possible say my odds are very good of obtaining the offer? If lenders generally require additional information to extend financing than again, how can you possibly say my chances (or anyone's) chances are very good at obtaining credit? Based on what you just told me, I don't believe Credit Karma has any right whatsoever to tell anyone their odds of getting a particular credit card are "very good"How can they possibly be very good when you just told me your using limited data! I look forward to your responseI have also previously asked for the name and email address of Credit Karma's CEO/Vice President
Credit Karma's response
***, Sep 29, 4:PM:
I understand that it can be frustrating to be declined, but keep in mind that this decision is ultimately with the lenderThe approval odds can help narrow down what kinds of cards you may be approved for but it is not a guaranteeThe historical odds can let us know that often people with similar credit profiles will get approved for a card like this, but lenders may look at information that is not available on the credit report information we receive
You can read more about approval odds on our website here: https://blog.creditkarma.com/credit-karma/the-ultimate-guide-to-credit-karma-par...⇄ />
***
Member Support Specialist
________________________________________
My response to Credit Karma
It's not frustrating to be declined as much as it is to be lied to by a companySaying someone has very good chances based on "limited data" is inappropriate and misleadingYou still have not answered my questionsI have been in touch with Discover Cards Corporate OfficeThey were equally surprised that you were telling customers their chances were "very good" based on limited dataI was told Discover Card is reviewing their relationship with Credit Karma along with their marketing departmentI told them Credit Karma is very deceptive and uses "trickery" with hopes and attempts at "luring" people to apply for credit cards that they don't have a chance at obtainingRegardless, You still have not answered my questions, so here they are again:
If you have "limited data" than how can you possible say my chances (or anyone's chances) are very good at obtaining a credit card (especially with limited data)It seems that your incorrect on many of your "assumptions" and as a result you are hurting (if not destroying) people's credit scores with your false/misleading advertisingIf your "assumptions may not accurately reflect my outstanding loans or the particular terms or conditions of the lenders offer" than again I ask, how can you possible say my odds are very good of obtaining the offer? If lenders generally require additional information to extend financing than again, how can you possibly say my chances (or anyone's) chances are very good at obtaining credit? Based on what you just told me, I don't believe Credit Karma has any right whatsoever to tell anyone their odds of getting a particular credit card are "very good"How can they possibly be very good when you just told me your using limited data! I look forward to your responseI have also previously asked for the name and email address of Credit Karma's CEO/Vice President
My above response was the last comment sent to Credit Karma and they have not responded as of this writingIf you carefully review my questions to them they constantly evade giving a answerI also have Discover Card looking into this issue as Discover Card told me they were surprised Credit Karma is telling people they have VERY GOOD chances at obtaining credit cards (especially based on limited data)
Thank you,
*** ***
Final Business Response /* (4000, 9, 2015/10/16) */
*** -
Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this productThough Approval Odds do not guarantee approval, they can show you which products may be a better fit for you
Please let me know if you have further questions
Regards,
*** P
Final Consumer Response /* (4200, 11, 2015/10/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Credit Karma has told me they have "limited data"Credit Karma should not be making any recommendations to anyone with "limited data"Credit Karma lies and misleads consumers into believing they have a good chance at obtaining creditThey limited data and hopes mislead consumers into applying for credit and then being denied and having their credit scores get loweredCredit Karma falsely advertises by lying to consumers that they have "very good" odds at obtaining creditThe reality is Credit Karma has no clue if a consumer has "very good" odds and should not be suggesting this to consumersCredit Karma receives funding from Discover Card to advertise on their website and as a result Credit Karma suggests people should apply for Discover Card and the only reason Credit Karma is doing that is for their own financial gainCredit Karma has no basis for suggesting people have "very good" odds on obtaining creditCredit Karma lies and misleads and the only help they offer is by helping LOWER consumers credit scores
Initial Business Response /* (1000, 5, 2015/06/24) */
*** -
We have responded to your support ticket regarding this issuePlease contact us at ***@creditkarma.com if you have any further questions, and we're happy to assist
Regards,
*** P
Member Support Manager
Initial Business Response /* (1000, 5, 2015/10/26) */
*** -
I'm very sorry for the frustrationWe viewed your documents and determined that we could not gather the information that was necessary in order to verify your identityThis could be something like your date of birth is illegibleI
understand that your receipt may be legible, but the information may have become illegible during transmission
Please feel free to resend your documents and we will process them as soon as possibleThank you for your patience
*** P
Member Support Manager
Initial Business Response /* (1000, 5, 2015/07/27) */
Hello *** -
I have followed up with you directly regarding the account in questionPlease respond to the email I have sent you and if you wish to gain access to the account, you must send in the required documentation
Thanks for
your patience, and know that I am happy to respond to you directly if you have further questions
Regards,
*** P
Member Support Manager
Initial Consumer Rebuttal /* (3000, 7, 2015/07/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Yes, ***I have received and email from you - and the voice mail - but I have requested another call from you to speak with you vsemailI NEVER opened an account with your service - it was identity theft - I need to understand how this happened and why wasn't my identity protected from your service
Final Business Response /* (4000, 9, 2015/08/10) */
***,
I have further followed up with your correspondenceI apologize for the frustration
Please feel free to respond to my message and I would be happy to answer any further questions you have
*** P
Initial Business Response /* (1000, 5, 2015/07/17) */
Hello *** -
We have responded to your support requestsWe are unable to provide any additional information about the account in question without communication from a government agency
In order to gain access to the account, please
send in the requested documentation; otherwise the account will remain inaccessible
Thanks for your patience,
*** P
Member Support Manager
Initial Consumer Rebuttal /* (3000, 7, 2015/07/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Credit karma did respond within the 2-days as noted however it would have been much easier to callFor example my mother doesn't have a computer and no emailThis generation is only going to become victims of identity theftThe phone is the only way many still communicateIf the company is customer service oriented they will look at the age of the public that would be the 65plus age group! A 800# should be a requirement for conducting even and internet business
Final Business Response /* (4000, 9, 2015/07/27) */
Thanks for your feedback
While we understand your frustration, we do not currently offer phone supportThe account remains inaccessible at this time, and will remain so until the required documentation has been sent
Thanks for your patience,
*** P
Initial Business Response /* (1000, 5, 2015/04/17) */
Hello *** -
It looks like we have followed up with your support requestIn case you still need a copy of the instructions, they are listed below:
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
Draft a letter including the following information so we can match your documentation to your account:
aYour full name (please include any previous last names)
bYour date of birth
cThe email address you would like to use for your Credit Karma account
You must include a copy of one form of documentation from the list belowNOTE: DO NOT SEND ORIGINAL (ONLY PHOTOCOPIES) OR EXPIRED DOCUMENTATION - WE WILL NOT ACCEPT THEM
Drivers License or State ID
Passport
Green Card /Temporary Resident Card
Birth Certificate
Send your letter and documentation via postal mail or fax to:
Our secure fax line: XXX-XXX-XXXX
OR
Credit Karma, Inc
Attn: Member Support
*** *** ***
*** *** CA XXXXX-XXXX
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
Complaint: ***I am rejecting this response because:
The information provided is incorrectNo one from the company reached out to me to resolve the problemThis landline phone has been at this residence since the 1950sNo other company has ever had a problem placing a verification callFurthermore, I used an AT&T cell phone to verify, which I provided screen captures for, and a Verizon work phone and none of those numbers would also verifyYou have system problems. Own them
Sincerely,*** ***
Mr***l - The last communication we have with you is from January Please submit a new support concern with us if you are unable to access your account. Regards, Credit Karma Support
Hi, ***I understand your concerns and I'm happy to provide clarificationOur Credit Monitoring services helps you keep an eye on your TransUnion and now Equifax credit reports by monitoring both credit reports on a rolling, daily basis and alerting you if we notice significant changesIf you
would like notifications on transaction purchases, you must connect your bank and/or credit card accounts to our "My Spending" featureAgain, our Credit Monitoring feature alerts you when there has been any changes made to your credit reportIt does not alert you for transactions.
If you have any other questions about this, you can always reach out to our Support Team here: ***
Thanks for your understanding!
- ***, Member Support
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 this form with the requested documentation:***For security reasons, please do not send your personal information or documentation by e-mail.** Feel free to let me know if you have any other questionsThanks for your patience! Regards,*** **Member Support Manager
Mr*** -
It looks like you deactivated your own account on 3/7/
For your security, once your membership is canceled, our system doesn’t let you create a new Credit Karma account for months
I’m sorry for any inconvenienceYou’ll be able to sign up again on
September 8,
Thanks for your patience
Initial Business Response /* (1000, 5, 2015/06/24) */
*** -
The credit scores you receive on Credit Karma come straight from TransUnion and Equifax, two of the three major national credit bureausIt's not uncommon for scores to varyEach consumer has dozens of different credit scores,
though most people believe that each person just has one
Credit scores can vary for lots of reasonsFirst, each of the three credit bureaus can have slightly different credit report information for youSecondly, the credit score model has a slightly different formula that takes into account over different factors of your credit report; like a thumbprint, no credit score model is exactly the sameThird, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day
Comparing several credit scores will always be different, since all the models are inherently differentTracking one credit score over time, shows you the ups and downs in your score that could signal a significant change in your credit health
You can also read more about credit score differences here:https://www.creditkarma.com/article/differentscores
Hope this helps! If you have more questions, please feel free to let me know
*** P
Member Support Manager
Initial Business Response /* (1000, 5, 2015/06/24) */
***,
I'm sorry for the frustrating experienceBy clicking on the check box during the registration process, you have agreed to our Terms of Use and Privacy Policies
We responded to your support ticket on June 14thThe questions that
you are provided with during registration are based on information on your credit reportThey are meant to ensure that the personal information you provided directly matches you to the appropriate information on file with the credit bureaus
You have canceled your membershipWe cannot allow you to establish a new Credit Karma account for six monthsPlease feel free to contact us again at ***@creditkarma.com if you have further questions
Regards,
*** P
Member Support Manager
Initial Business Response /* (1000, 5, 2015/05/06) */
***,
Your credit score can change at any time, or stay the same for quite some timeThere are many factors that impact your score, so specific credit activity may not always result in the kind of change you expect
Our website has
a blog post explaining credit score changes in more depth: http://blog.creditkarma.com/credit-101/credit-scores/credit-101-credit-score-cha...⇄ /> The advertisements and offers you see on our site enable us to make this service free for you
Our free credit scores are provided by partners who share in our vision that consumers should have free access to their score
Please let me know if you have additional questions
*** P
Member Support Manager
Initial Business Response /* (1000, 5, 2015/06/02) */
Hi ***,
It looks like you were able to complete registration and access your Credit Karma accountPlease let me know if you have any additional questions
Regards,
*** P
Member Support Manager
Initial Consumer Rebuttal
/* (2000, 7, 2015/06/03) */
6-2-
Sent via email:
Mrs***,
Thank you for contacting me in regards to my complaint with Credit Karma
The answer is yes my issue has been resolved
Here is their response:
I'm sorry - While Credit Karma may have previously shown other scoring models, we currently only show you your VantageScore score, provided individually by TransUnion and Equifax.
Each scoring model has a slightly different formula for analyzing the many different factors of your
credit report and each person has many different credit scores.VantageScore incorporates a broader set of credit-related data and can score up to 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 is a strong predictor for what the banks may see.Please let me know if you have any further questions
*** *
Member Support Manager
It looks like you opted to allow Credit Karma to check participating lenders for pre-approved personal loan offers for you here on Credit Karma: ***If you would like to opt out, please simply navigate to that page, and type STOP into the field to stop
future pre-approvals.It sounds like you received this message because you did not meet the lender's pre-approval requirements.You never actually applied for this loan and no hard inquiry was made on your credit reportThe only information passed on to this lender was gained via a soft inquiry, which will not appear on your credit report and won't affect your score at all.Please let me know if you have any further questions about this matter. *** *.Member Support Manager
Initial Business Response /* (1000, 5, 2015/10/07) */
Hi *** -
It sounds like your email address was mistakenly used to open a Credit Karma accountIf you wouldn't mind emailing us at ***@creditkarma.com and letting us know what email address you are receiving emails at, we can remove
your email address from our database
Thanks for your patience,
*** P
Member Support Manager
Initial Consumer Rebuttal /* (2000, 7, 2015/10/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank youI will email ***@creditkarma.com with my email address that I wish to have removed from your databasePlease note that I have already emailed CreditKarma twice, notifying your company that I did not sign up and my email was being used by another person, but I received no responseI hope this time you will take action to remove my email from your databaseThank you
Complaint: ***
I am rejecting this response because:Why did it take them over days to respond? I had to send multiple emails and the only way I ever got a resolution was to email their legal department And I found that address through the Revdex.com site. This business should be required to provide a valid phone number for Customer Service Check out the complaints on your Revdex.com site, they all say the same thing We're powerless to contact them when something goes wrong Eit her provide a phone number or shut them down! number to contact them!
Sincerely,
*** ***
*** -Unfortunately, we can't know for sure if lenders will approve or decline applications, as it's totally up to the lenderHowever, we do the best we can by basing our approval odds on historical data.Credit Karma estimates your Approval Odds by comparing your credit profile with data about
other members who were approved for this productThough 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 canOur goal is to always do what's best for our members.Regards,*** **Member Support Manager
Initial Business Response /* (1000, 5, 2015/09/29) */
*** -
Unfortunately, we can't know for sure if lenders will approve or decline applications, as it's totally up to the lenderHowever, we do the best we can by basing our approval odds on historical data
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 canOur goal is to always do what's best for our members
If you did not authorize the hard inquiry, it can be removed
If you have a hard inquiry that you did not authorize, you may need to file a dispute with the credit bureaus to have it removed
Please feel free to let me know if you have any more questions
Regards,
*** P
Member Support Manager
Initial Consumer Rebuttal /* (3000, 7, 2015/10/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
my response to them
I want to know what criteria deemed me "very good" at obtaining the Discover It credit cardI would also like to know if Discover Card pays Credit Karma a fee for you to advertise their credit cards on your websiteI understand that what has happened to me has happened to many other of your MembersWhy would you even suggest to anyone that they have very good chances at obtaining a credit card when you obviously are not even close to being accurateYour recommendations cause your Members credit scores to suffer because off your false/lying/misleading informationI find this to be completely unethicalAgain, I am requesting you to get in touch with Discover Card and have the inquiry removed from my credit report immediatelyBelow is a screen shot showing you that Credit Karma listed Discover It as my "Top Recommendation" and in green my approval odds are "very good"A lieI want to be put in touch directly with the CEO of Credit Karma
Credit Karma's response to my above reply
***, Sep 25, 3:PM:
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
***
Member Support Specialist
________________________________________
my reply to Credit Karma
If you have "limited data" than how can you possible say my chances (or anyone's chances) are very good at obtaining a credit card (especially with limited data)It seems that your incorrect on many of your "assumptions" and as a result you are hurting (if not destroying) people's credit scores with your false/misleading advertisingIf your "assumptions may not accurately reflect my outstanding loans or the particular terms or conditions of the lenders offer" than again I ask, how can you possible say my odds are very good of obtaining the offer? If lenders generally require additional information to extend financing than again, how can you possibly say my chances (or anyone's) chances are very good at obtaining credit? Based on what you just told me, I don't believe Credit Karma has any right whatsoever to tell anyone their odds of getting a particular credit card are "very good"How can they possibly be very good when you just told me your using limited data! I look forward to your responseI have also previously asked for the name and email address of Credit Karma's CEO/Vice President
Credit Karma's response
***, Sep 29, 4:PM:
I understand that it can be frustrating to be declined, but keep in mind that this decision is ultimately with the lenderThe approval odds can help narrow down what kinds of cards you may be approved for but it is not a guaranteeThe historical odds can let us know that often people with similar credit profiles will get approved for a card like this, but lenders may look at information that is not available on the credit report information we receive
You can read more about approval odds on our website here: https://blog.creditkarma.com/credit-karma/the-ultimate-guide-to-credit-karma-par...⇄ /> ***
Member Support Specialist
________________________________________
My response to Credit Karma
It's not frustrating to be declined as much as it is to be lied to by a companySaying someone has very good chances based on "limited data" is inappropriate and misleadingYou still have not answered my questionsI have been in touch with Discover Cards Corporate OfficeThey were equally surprised that you were telling customers their chances were "very good" based on limited dataI was told Discover Card is reviewing their relationship with Credit Karma along with their marketing departmentI told them Credit Karma is very deceptive and uses "trickery" with hopes and attempts at "luring" people to apply for credit cards that they don't have a chance at obtainingRegardless, You still have not answered my questions, so here they are again:
If you have "limited data" than how can you possible say my chances (or anyone's chances) are very good at obtaining a credit card (especially with limited data)It seems that your incorrect on many of your "assumptions" and as a result you are hurting (if not destroying) people's credit scores with your false/misleading advertisingIf your "assumptions may not accurately reflect my outstanding loans or the particular terms or conditions of the lenders offer" than again I ask, how can you possible say my odds are very good of obtaining the offer? If lenders generally require additional information to extend financing than again, how can you possibly say my chances (or anyone's) chances are very good at obtaining credit? Based on what you just told me, I don't believe Credit Karma has any right whatsoever to tell anyone their odds of getting a particular credit card are "very good"How can they possibly be very good when you just told me your using limited data! I look forward to your responseI have also previously asked for the name and email address of Credit Karma's CEO/Vice President
My above response was the last comment sent to Credit Karma and they have not responded as of this writingIf you carefully review my questions to them they constantly evade giving a answerI also have Discover Card looking into this issue as Discover Card told me they were surprised Credit Karma is telling people they have VERY GOOD chances at obtaining credit cards (especially based on limited data)
Thank you,
*** ***
Final Business Response /* (4000, 9, 2015/10/16) */
*** -
Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this productThough Approval Odds do not guarantee approval, they can show you which products may be a better fit for you
Please let me know if you have further questions
Regards,
*** P
Final Consumer Response /* (4200, 11, 2015/10/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Credit Karma has told me they have "limited data"Credit Karma should not be making any recommendations to anyone with "limited data"Credit Karma lies and misleads consumers into believing they have a good chance at obtaining creditThey limited data and hopes mislead consumers into applying for credit and then being denied and having their credit scores get loweredCredit Karma falsely advertises by lying to consumers that they have "very good" odds at obtaining creditThe reality is Credit Karma has no clue if a consumer has "very good" odds and should not be suggesting this to consumersCredit Karma receives funding from Discover Card to advertise on their website and as a result Credit Karma suggests people should apply for Discover Card and the only reason Credit Karma is doing that is for their own financial gainCredit Karma has no basis for suggesting people have "very good" odds on obtaining creditCredit Karma lies and misleads and the only help they offer is by helping LOWER consumers credit scores
Initial Business Response /* (1000, 5, 2015/06/24) */
*** -
We have responded to your support ticket regarding this issuePlease contact us at ***@creditkarma.com if you have any further questions, and we're happy to assist
Regards,
*** P
Member Support Manager
Initial Business Response /* (1000, 5, 2015/10/26) */
*** -
I'm very sorry for the frustrationWe viewed your documents and determined that we could not gather the information that was necessary in order to verify your identityThis could be something like your date of birth is illegibleI
understand that your receipt may be legible, but the information may have become illegible during transmission
Please feel free to resend your documents and we will process them as soon as possibleThank you for your patience
*** P
Member Support Manager
Initial Business Response /* (1000, 5, 2015/07/27) */
Hello *** -
I have followed up with you directly regarding the account in questionPlease respond to the email I have sent you and if you wish to gain access to the account, you must send in the required documentation
Thanks for
your patience, and know that I am happy to respond to you directly if you have further questions
Regards,
*** P
Member Support Manager
Initial Consumer Rebuttal /* (3000, 7, 2015/07/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Yes, ***I have received and email from you - and the voice mail - but I have requested another call from you to speak with you vsemailI NEVER opened an account with your service - it was identity theft - I need to understand how this happened and why wasn't my identity protected from your service
Final Business Response /* (4000, 9, 2015/08/10) */
***,
I have further followed up with your correspondenceI apologize for the frustration
Please feel free to respond to my message and I would be happy to answer any further questions you have
*** P
Initial Business Response /* (1000, 5, 2015/07/17) */
Hello *** -
We have responded to your support requestsWe are unable to provide any additional information about the account in question without communication from a government agency
In order to gain access to the account, please
send in the requested documentation; otherwise the account will remain inaccessible
Thanks for your patience,
*** P
Member Support Manager
Initial Consumer Rebuttal /* (3000, 7, 2015/07/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Credit karma did respond within the 2-days as noted however it would have been much easier to callFor example my mother doesn't have a computer and no emailThis generation is only going to become victims of identity theftThe phone is the only way many still communicateIf the company is customer service oriented they will look at the age of the public that would be the 65plus age group! A 800# should be a requirement for conducting even and internet business
Final Business Response /* (4000, 9, 2015/07/27) */
Thanks for your feedback
While we understand your frustration, we do not currently offer phone supportThe account remains inaccessible at this time, and will remain so until the required documentation has been sent
Thanks for your patience,
*** P
Initial Business Response /* (1000, 5, 2015/04/17) */
Hello *** -
It looks like we have followed up with your support requestIn case you still need a copy of the instructions, they are listed below:
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
Draft a letter including the following information so we can match your documentation to your account:
aYour full name (please include any previous last names)
bYour date of birth
cThe email address you would like to use for your Credit Karma account
You must include a copy of one form of documentation from the list belowNOTE: DO NOT SEND ORIGINAL (ONLY PHOTOCOPIES) OR EXPIRED DOCUMENTATION - WE WILL NOT ACCEPT THEM
Drivers License or State ID
Passport
Green Card /Temporary Resident Card
Birth Certificate
Send your letter and documentation via postal mail or fax to:
Our secure fax line: XXX-XXX-XXXX
OR
Credit Karma, Inc
Attn: Member Support
*** *** ***
*** *** CA XXXXX-XXXX
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
Complaint: ***I am rejecting this response because:
The information provided is incorrectNo one from the company reached out to me to resolve the problemThis landline phone has been at this residence since the 1950sNo other company has ever had a problem placing a verification callFurthermore, I used an AT&T cell phone to verify, which I provided screen captures for, and a Verizon work phone and none of those numbers would also verifyYou have system problems. Own them
Sincerely,*** ***
Mr***l - The last communication we have with you is from January Please submit a new support concern with us if you are unable to access your account. Regards, Credit Karma Support