En résumé
This is a legitimate charge from Credit Karma.
What is the Credit Karma charge?
Credit Karma is not a bank, but a financial technology company that partners with MVB Bank to offer 'Credit Karma Money' Spend and Save accounts.
If you have a Credit Karma Money account, the charge may be related to a transaction you made using your Credit Karma Visa Debit Card.
Unauthorized Charges and Scams
Credit Karma's basic services (credit scores and reports) are free. If you are being asked to pay for a 'credit score', it may be a phishing attempt.
If you do not have a Credit Karma account or have not authorized any activity, unauthorized charges can be signs of identity theft.
- Step 1 Log in to your Credit Karma app or website to view your transaction history if you have an account.
- Step 2 If the charge is unfamiliar and you do not have a Credit Karma banking account, contact your actual bank immediately.
Does Credit Karma charge for credit reports?
No, their core credit monitoring services are entirely free. If you see a charge for a report, it is likely fraudulent.
Dispute Rights & Fraud Prevention
If you suspect this charge is fraudulent or billing in error, you have strict federal rights protecting your account.
Always review your statement carefully and take action within 60 days.
What should I do if I don't recognize this charge?
First, check with family members or anyone authorized on your account. If the charge remains unrecognized, contact your bank immediately to report it. Under the Fair Credit Billing Act (FCBA), you have 60 days from the statement date to dispute unauthorized credit card charges.
How long does it take for a disputed charge to be removed?
Once you file a dispute, your bank must acknowledge it within 30 days and resolve it within two billing cycles (not exceeding 90 days). During this time, the disputed amount is usually placed on a provisional hold, meaning you do not have to pay it.
Répertoire indépendant non affilié à Credit Karma. Les libellés varient selon les banques.
Sources vérifiées
- CFPB: Disputing Credit Card Charges https://www.consumerfinance.gov
- FTC: Fair Credit Billing Act https://consumer.ftc.gov