Credit Karma 'Pre-Approved' Offers FTC Refunds
File your claim on the official site → Takes you to JND Legal Administration (1-866-848-0871) — filing is free.
What happened
The FTC alleged Credit Karma told users they were "pre-approved" for credit offers they didn't actually qualify for, wasting their time and sometimes dinging their credit scores. After $2.3M+ in checks/PayPal (Oct 2024), the FTC began sending Zelle payments in April 2026 to claimants who never cashed or accepted earlier payments.
Who qualifies
People who filed a valid claim before the (closed) claims deadline for compensation for time wasted on Credit Karma "pre-approved" offers; current Zelle round only covers those with uncashed/unaccepted prior payments.
How much you could get
Zelle re-issue payments deposited directly to bank accounts (April 2026 onward) for previously unclaimed refunds; original round exceeded $2.3M
Key dates
| Proof required | none |
|---|---|
| Claims administrator | JND Legal Administration (1-866-848-0871) |
Worth knowing
Claims window is closed — this entry is for consumers watching for a Zelle deposit referencing the settlement. A legitimate deposit never requires you to send money back or "confirm" credentials.
Is this legit?
Yes — here is the paper trail we verified on 2026-07-10:
- https://www.ftc.gov/enforcement/refunds/credit-karma-settlement — ftc.gov refund program page (fetched 2026-07-10)
Scam check: the only place to file is the official administrator link above. Ignore texts or ads offering to "file for you" for a fee.