Credit karma spend dispute reddit Hi, I’ve read that people can successfully dispute debts or closed accounts on credit karma. Credit Karma Money Spend is a spending account, which is a checking account without checks -- and without the penalties, minimum balance requirements or overdraft fees you'll find Lo and behold, 2 months later, Transunion actually removed the bad mark from my credit after I submitted the dispute. If you get a few credit cards, make on time payments, and keep your balances low - you are not far off from getting your score into the 660+ range (FICO score - ignore any Vantage Scores). Also, OP, duplicate payments aren’t a Reg E dispute. I’ve never had a credit card through them. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information on your Jan 10, 2025 · Credit Karma has become a popular tool for monitoring credit, providing insights into your credit score, and even allowing users to dispute inaccuracies on their credit reports. They told me they would review the disputes. Locked me out of my spend account the day my refund advanced was deposited. Everything looked ok, but as I was checking things over and changing my password, I got an email from credit karma stating that my email address had been changed and asking if I changed it. took them a month to send me a check. Could this be credit karma making a mistake by showing me someone else’s accidentally?? I sold a Rolex on eBay in January, payment thru PayPal. A subreddit for discussing credit cards. " I waited a month and was unfortunately met with a "this account is correct" message or something to that effect when TransUnion completed their investigation. 2 billion in mistaken debt has been removed from members’ TransUnion credit reports. I check the app and see all of my money gone. Awesome. 00. . Product name, logo, brands, and other trademarks Sep 24, 2024 · Through the Credit Karma Direct Dispute feature, more than $10. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered. This being my main spending account, I knew I had more than enough money there and assumed the card must've been locked. I chose to get the advance from TurboTax but I had to open a spend account I did everything and didn't get the advance now I have received my state check that was deposited into the spend account and I haven't received my debit card and no to mention I don't have the option of a digital card on my app I called customer service which was terrible by the way he was eating on the phone and was They did the same to me. Even though they were all taken from the same cash app account, nine of the disputes were under $50 and they were approved immediately, the other nine were over $50 and were denied within a week. I was obviously thrilled and disputed the debt through CK citing "The balance is incorrect. Disputes did exactly nothing - at the time I didn't realize disputes are a waste of time. Credit Karma’s savings accounts are really accounts at MVB Bank in West Virginia. So they sent me another check which i deposited on the the 17th of April. All Rights Reserved. I can't seem to find a subreddit for credit karma money specifically so I figure I will ask here and hopefully somebody will have the answer. Here though, that issue doesn’t even come into play because Credit Karma isn’t the issuer; MVB Bank is (per Credit Karma’s website - footnote 8). Questions: Should a person dispute ownership or accuracy? Does a dispute refresh the timeline for when the debt falls off? What if I have debts older than 7 years still on the account? Thanks all. You fill out a few questions and they submit the dispute. On Sunday 05/19 while on a date, my Credit Karma Spend debit card was declined. 2 months later, after timeframe to open a dispute in eBay or PayPal had expired, the seller reached out to his credit card company and disputed the charges, indicating the item “was not as described”. At the end of January 2021, the company also refunded me my money. Pull your money out. © 2007–2025 Credit Karma, LLC. Welcome to the hub for all things Intuit Credit Karma! This community is dedicated to discussing… We would like to show you a description here but the site won’t allow us. No issues reported from buyer. I was asked to upload my ID, my daughter's ID, and explain the deposit. As a point of clarification, non banks are still subject to the Reg E requirements. When looking at your debts it gives you the option to dispute any of them. Join over 100 million members making financial progress. I called the credit card company (twice actually) to cancel the dispute, but they said everything is square on their end and the dispute is "resolved". I clicked the link to dispute the change, and it took me to a Gmail page to send an email in reply. Second, the account takes seconds to create, but you will be unable to cancel it without going to Support, and then having to have continued discussions about this over extended periods of time On Sept. So far the balance is at $18,828. Credit Karma® is a registered trademark of Credit Karma, LLC. Long story short there's a fraudulent dispute made on my account I filed a claim and already submitted enough evidence where there is no absolute way they are going to decide it in the merchant's favor. I’ve been calling everyday, multiple times. I deposited it into my bank account and 2 days later it was returned to credit karma because credit karma issued a stop payment. (her name is not on the account). This community is dedicated to discussing the latest features, tips, and insights related to Credit Karma, especially in the wake of Mint’s migration. I’m wondering if this means the incorrect payment will be removed from my credit report within each agency (Transunion, Equifax, Expedian) and how long it typically takes for that to occur. I didn’t know they closed my account, so my refund is being sent to a closed account. I cannot afford to take a 2500$ loss because they failed to protect my account from hackers. I would like to do this correctly. About $900. “Transunion investigated your dispute and updated the information you flagged, as well as other information for this item, on your credit report”. Feb 10, 2022 · What Is Credit Karma Money Spend? Best known for its credit monitoring services, Credit Karma has now introduced a checking account to help people make financial progress. Obviously, I may still have the bad mark on one of my other two reports, and I could have always disputed it the old-fashioned way and it probably still would have Last month I discovered Credit Karma and the ability to dispute a collection claim. Credit Karma is showing the account was opened in 2012?!!! I was an actual kid in 2012 and definitely wasn’t opening credit cards. Here's a detailed review of this account. I provided all of the requested documents at that time. × Download the app CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. Credit Karma is a third party but MVB Bank is ultimately responsible for the security of the funds in those accounts and are responsible for making sure Credit Karma has proper security controls in place. CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. This would be a Visa/Mastercard rule issue. Don’t use these “banks”. I opened a credit karma money spend account because Turbo Tax gave me the option and since i have to go through the loops of sending my bank copies of my husbands and i tax records each year in order to get out money and it takes about 3 days longer, I thought sure i will do that since Turbo Tax dos our taxes each year it wont be an issue that we file joint and we have a bank account that I chose to have my refund sent to credit karma money because I did that last year and it worked well. The IRS said it was deposited on Feb 13th, but credit karma said they haven’t received it. I used the Credit Karma app on Android. I appealed it. It's my understanding that a lot of creditors won't even respond to the dispute and if that's the case the dispute will he successful and the credit bureau will delete it. There is one new charge for the entire amount of my balance to a "NJKVENTURES, SAN JOSE, FL 95131". Whether you’re a seasoned Credit Karma user or new to the platform, here’s where you can share experiences, ask questions, and explore the world of personal finance management. I won a credit card dispute in November of 2020 and was issued the amount of my dispute as a credit. We would like to show you a description here but the site won’t allow us. I been saving money over the past 10 months, I had about 2,500$ saved up in Credit Karma Save and Spend accounts. While these 151 subscribers in the IntuitCreditKarma community. See your free credit scores, reports and personalized tips and tools to help you achieve your financial goals. Thank you Credit Karma for adding this as a feature. I started my rebuild with all three FICO8 scores at 420 or below. I'm Really at a loss of words , I've been banking with Credit Karma for close to 2 years and I really trusted them. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage I created a Credit Karma spend account thinking that perhaps it would give me access to better tools to track budgeting. 24, Credit Karma emailed stating that my Money Spend account had received a direct deposit made payable to myself and my daughter. First, that’s not the case. wrbrx mvnksf glyqt nafz awr sstfqey etpf tvuh kyueub liakg hhjp vtyj bgvvu xnmqgiv eta