Debt collection
Credit Karma debt collection complaints
Consumers have filed 65 complaints about Credit Karma's debt collection, 23 in the last 12 months. Credit Karma answered 91.3% on time and closed 4% with relief. See the whole Credit Karma record.
Credit Karma against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Credit Karma | 23 | 91.3% | 4% |
Latest Credit Karma debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 30, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Fixed |
| Oct 14, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 18, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 16, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jun 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 6, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 18, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 25, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 17, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 18, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 3, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 30, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Dec 17, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 9, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 10, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Aug 18, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 22, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 16, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 1, 2025 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Jun 1, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 20, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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