We can't see your return in this forum, so we can only offer suggestions.
In the Efile section, you would have had to make a choice on how you wanted your refund. Either put bank account info, or indicate you want a check mailed.
You could open your return and see what you entered in that section.
Look at the PDF copy of your tax return, for the 'Filing Instructions' page. This also tells how you requested your Refund.
If your refund was put into a Credit Karma account, you are the owner of the account, so should be able to access it. Can't you get help from Credit Karma customer service?
This is from the Credit Karma support page:
"If you believe someone may have created a Credit Karma account using your personal information without your permission, contact our support team so they can deactivate the account that was created by someone else.
When you’re submitting your case, please select the following options: Security and Privacy > Unauthorized Account Creation.
Once that account has been deactivated, the personal information cannot be used to create another account without the support team’s assistance. If you’d like to create a new Credit Karma account for yourself, our support team can help you out right away. In cases such as these, we will ask for documentation to verify your identity."
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