creditkarma.com

An absolute joke

Since Credit Karma has been privy to every aspect of my adult life for the last 20 years, I figured this would be a no brainer. Complete waste of time and effort. Applied for a small debt consolidation loan through Credit Karma via Lending Club to avoid some higher credit card interest rates. Over a period of two weeks, I was asked to submit the same documents several times. So I did. Nothing happened. I would call and hear a different excuse. Each time I asked to speak with someone who may have actually glanced at my file, I was told they don't do that. So who's actually working on this? Long story short, each phone call ended the same, with a request to be contacted directly, which I never was. This phantom business outsources everything through call centers and puts you in touch with people that have no comprehension of what's going on. Asking for personal and financial information over the phone, and unable to resolve any issues. They asked for documents that did not pertain to my situation, and when informed about it, they would say they made a note in the file. Fast forward over two weeks, and they email me stating they are unable to find a partner that will fulfill the request. Credit Karma states that this was a guaranteed approval or they will give you $50.00 based on having all my financials lined up already. So I figure at least I can go have a nice meal to make up for the inconvenience. Nope, Credit Karma states that Lending Club shows the loan was approved at or better rate than applied for! HA! This is a joke. When pressed through the help chat they want to see a copy of the adverse action notice, which is not a document that can be saved. So I had to print it, scan it, submit it, and then wait for Credit Karma chat help to escalate it to a real person.

Date of experience: Feb 19, 2026