Stuck on "We Hit a Snag" Error When Setting Up Credit Karma Spend Account for Tax Refund - No Help from Support After 3 Days

I work in fintech and this is a common issue right now. The verification systems are extra strict because of all the fraud happening with tax refunds. Try using your exact address as it appears on your credit report, and make sure you're not on a VPN when applying.

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Same boat here 🚣‍♀️ tried opening one last week and got stuck in verification hell lol. ended up going with chime instead

ur better off going with cashapp tbh. credit karma been acting stupid lately

Wait till u actually get the account... their customer service is straight 🤡🤡🤡

Try clearing your cache and cookies before applying. worked for me after being stuck for like 2 days

I had this exact same issue a few weeks ago! What finally worked for me was doing it on a desktop browser instead of mobile, and making sure I had ALL my documents ready before starting (ID, SSN card, proof of address). Also try doing it during off-peak hours like early morning - seems like their servers get overloaded during busy times. The verification process is super finicky but once you get through it works fine. Don't give up!

Having dealt with similar verification issues before, here's what I'd recommend: 1) Make sure you're using the same phone number and email that's associated with your existing Credit Karma account, 2) Double-check that your personal info matches exactly what's on your tax return (especially address formatting), and 3) If you've moved recently, the address verification might be tripping you up - try using your previous address if that's what's still on your credit file. Also, sometimes these systems have daily attempt limits, so if you've been trying multiple times each day, you might need to wait 24-48 hours between attempts. The VPN suggestion from @3f0be25a403b is spot on too - financial verification systems often flag VPN traffic as suspicious. Hope this helps!

Just went through this nightmare myself last month! The "We hit a snag" error is usually their system being overwhelmed or having issues with identity verification. Here's what finally worked for me: 1) Use a different device entirely (not just clearing cache), 2) Make sure your Credit Karma profile info is 100% up to date first, 3) Try applying between 6-8 AM when fewer people are online, and 4) Have your most recent pay stub ready in case they ask for income verification. Also, if you've been checking your credit score frequently lately, that can sometimes trigger additional security checks. The whole process took me 4 tries over 2 weeks but it eventually went through. Don't lose hope - their system is just super sensitive right now with tax season starting!

I've been helping people with these verification issues for a while now and there's actually a pattern to when Credit Karma's system works best. Try these steps in order: 1) Log out completely and wait 24 hours before trying again, 2) Use an incognito/private browser window, 3) Make sure you're on WiFi (not cellular data), and 4) Have your driver's license and a recent utility bill with your current address ready to upload. The key is that their verification partner (likely Jumio or similar) gets stricter during tax season because of fraud attempts. Also, if you have any credit freezes or fraud alerts, those need to be temporarily lifted. I've seen this exact error resolve after people wait the full 24 hours - their system seems to reset daily attempt counters overnight. Good luck!

I'm a tax professional and see this issue frequently during tax season. Credit Karma's verification system gets overwhelmed this time of year, but here's what usually works: First, make sure you're using the exact same personal info that's on your most recent tax return - even small differences in how your name or address is formatted can cause failures. Second, try the application process on a laptop/desktop instead of mobile, as their mobile verification has more glitches. Third, if you have any credit monitoring alerts or security freezes (even soft ones), temporarily disable them for 24-48 hours before attempting again. The "snag" error specifically indicates their identity verification partner is rejecting your application, not that Credit Karma's servers are down. Also, avoid trying multiple times in one day - their system flags that as suspicious activity. Wait at least 24 hours between attempts. If none of this works, consider alternative options like Chime or Cash App for receiving your refund, as they typically have less strict verification processes during peak tax season.