Bright Money
Reviews and Complaints

I got charged $100 on my debit card for a membership I never wanted I only tried this stupid ap because I had a trail so no money should’ve been taken out of my account and what’s worse there is no way to call or get in contact with a live person. This is complete fraud and I just want my money back and to close this stupid thing. I’ve even tried to resolve it with my bank account. I had something that money needed to pay off and without my consent had been removed

I was super hopeful for this app to help me pay down my credit card debt, but I encountered several issues in the past 2 weeks that has made me want to abandon ship.

I do like the goal setting feature and allowing you to customize what you want to tackle first. But there are more cons than pros.

For one, it can take up to 5 business days to post your credit card payment to your bank. So even though you may put in the correct due date for your monthly payment, and it deducts on time, it won’t show up on your credit card account until about 5 business days after. So you’ll get a late charge even though you technically made a payment on time.
This means you have to have the money a week before your actual due date, and depending on your pay schedule and pay rate, this might not work for you. It doesn’t work for me, and I have a pretty strict budget so the app needs to make the payments on time or it wrecks my finances.
I was really optimistic to meet some financial
Goals this year, but I don’t think Bright is the solution for me.

I don’t know where to start. This app is try it a scam and you shouldn’t download it. I did it because the advertisement looked promising and I thought why not.

Well come to find out once you link your bank and account with credit cards they automatically take your money without your consent.

Had no idea I was already signed up for the “ premium account “ but here I was and they took 70$ from me like that.

Even with my so called payments “ paused” they still take money like they please.

I was assured by their contact team that no money would be touched and what do you know 1 hr later I get a notification that $ 70 was deducted from my account.

Don’t trust anything they say because it’s all a lie. I still have no information and my 70$ is no where to be found. No one will tell me anything and they act like I have no reason to be upset.

HELLO ITS MY MONEY THAT I DIDN'T CONSENT YOU TO TOUCH.

If someone in customer service wants to reach out to me I’d appreciate that.

Save yourself the headache and don’t even go near this app.

I was a member of this service for about 60 minutes. Issues encountered while setting up:
1. Synchrony financial - repeatedly telling me I had a wrong username/password, when I use the EXACT same *STOREDinfo to log into their website.
2. Chase - stuck in an account authorization loop, where your app woulr redirect me to the Chase app and upon completing the authorization, I was redirected to your website (in safari). When I returned to Bright, nothing had changed and i was forced into the loop again.
3. Citi - my Citi credit card was recognized as a Brooks Brothers credit card and, as such, I was unable to link the card for live updates.

Bright, you can talk to your rep”Kevin” (on shift just before this review was sent) to get a first hand account of the issues. (The text above is from our chat log)

However great your service may be, for those who have a smooth setup, when setup is faulty it does not instill confidence. We are granting you a view into and payment control of our credit card finances. If the setup is questionable, how can you expect us to trust you with reliable execution of your payment plan.

All I did was download the app! I was looking for an account that could assist me with doing a budget to pay off my credit cards. I connected 1 debit card to see what services were available. But in order to do that, you have to sign up for a monthly or yearly fee. So I didn’t go any further, I never signed up for any of their paid services. On 6/26/22, they took 41.94 out of my account. I immediately contacted them, which they never responded through the chat, a day later I got an email saying my money would be refunded. I was told 5-7 days for it to post back to my account. 8 days go by and my money is now sitting in a “stash account”! Why the ____ isn’t my money where you took it from without my permission! So I reached out to the chat again, made sure to keep my phone unlocked since they claimed that it took 20 minutes to respond! And what do you know, I get a message saying sorry we were unable to speak, we will send you an email! I’ve been sitting here looking dead at the screen the whole time! Finally on 7/14/22, my money is back in my account! DON’T DO ANYTHING WITH THIS APP! YOU WON’T HAVE ANY MONEY LEFT TO DO ANYTHING!

UPDATE
Do not put money into this app. It has been iver a month and they removed my bank account with no way to re add it. They also promised a refund of my subscription fee and the money i put into the credit builder. After 1 month and daily emails i am getting nothing but the run around from them. I just want my money back, money that doesn’t even belong to them

THEY HOLD YOUR MONEY HOSTAGE App was great the first 3 months. For the past month I can’t get my checking balance to update. Can’t use the app to pay my credit cards since the checking balance is incorrect. Been chatting with support for weeks, i get a new person everyday. How hard is it to allow me to do a fresh relink for my checking? Im about to miss my 5th on time payment if my account doesn’t get relinked I cant even cancel because without my checking linked, I can’t even get my funds out of their app Update: Developer responded to my post but don’t be tricked. I have tried daily for nearly a month to relink my bank account. It doesn’t work yet they keep telling me “do a fresh relink.” You get nowhere with them UPDATE - nearly 2 weeks have gone by and still no refund like the promised. They still won’t release the money i put in the app

I want to build my credit and the Bright App convinced me they would help me build my credit and give me the money back that was “borrowed”. Not only did my credit score NOT INCREASE the last 6 months according to their app. $10 have been taken out of my account every month. And then this month (as of June 2,2023) they took $47.94 out of my account on top of the credit building program. It’s confusing and appears to be dishonest. When I cancelled my subscription to Bright. They told me my credit score would go down and my credit builder account balance went from $60 to $15. So for this reason it appears to be a scam to me.

Nowhere did it tell me there was a service fee. Also it is taking money from my account on a random basis instead of specific due date. It’s consistently asking me to refer someone but how can I do that when it’s not even doing what it states it’s supposed to do and taking out additional money from my account.

Make it make sense! I message the customer service and get no response. I even emailed and have yet to receive a response over a week later.

As far as I’m concerned this is a SCAM at this point!

I seen this app on face book clicked on it sounded very interesting I signed up for it on the monthly plan paying 8.25 by the month not the year I'm not stupid I live paycheck by paycheck and 99.00 all at once I can't afford and I really needed there help but taking money out my bank when that's all I got and yall messed up and yall want fix it I even canceled my membership before yall even took the money out and as soon as it was takenmy bank notified me and it wasn't 10 min before I got ahold of bright money and filed a claim through my bank. I really hope someone makes this right. BRIGHT MONEY why. I really thought yall was what I needed...

I have been trying to login to my Bright Money account since May 5th 2023. I would enter my login information then was propmt to enter my social security number, after doing it an error message tells me to correct my ss number I chatted with customer service agent Samantha on Thursday May 11th. She said the issue was fixed wait a few hours and I can login. Wrong, it is not fixed. Bright Money everyday has taken money from my account and when I deposit money the take it. My checking account is practically depleted.

I initially signed up to the service under the guise of a simple 10/m payment for 5 months which would be reported back to credit bureaus. Instead, I was given constant trouble with inconsistent payment dates and then after 5 payments were made the program broke its own agreement and decided 50 was not enough and increased my amount on its own with the warning that taking the money back at this point would negatively impact my score as they have "loaned me an additional $50" which I did not ask for. This is more than misappropriation of funds it is extortion. During this time i was also subscribed to a bright account which would give you access to features like being able to utilize bright credit to pay down credit cards and pay them back in a simpler monthly payment. This did not happen and was also locked away until this credit builder program was complete which apparently is allowed to just keep extending itself for however long it likes to. Overall, this is a fraudulent service, and the online chat is not functional. Representatives constantly leave the chat during conversations; claim they will follow up via email and never do and overall provide terrible support when connected. Attempting to cancel and receive a refund was met with a constant offer loop and disregard for customer frustration. This is an attempt in fatigue to wear down the customer in hopes they will give in and retain their subscription. These practices are huge red flags and ruin any chance of customer retention or program benefits. This company makes excuses after excuses and lies on top of lies. Every time I am told I will be emailed. I am not.

I have a debt pay down plan on the bright app. I have a few of my credit cards on there and I had just assumed they were being paid as promised by the bright app out of my set aside account that there is funds in. The first month that I had the app I received emails when there wasn't enough money on my set aside to pay for certain things in which case I would arrange payment myself. I have not received any emails like this for a while. Come to find out all of the credit cards I have on the app that bright is supposed to be paying are all passed due. I've been trying to contact support about it for several weeks and I'm getting nowhere.

I found out someone open an account with my information and bank information. I cancelled this account because it was done with fraud and i was charged $9.99 and $10.00 from my bank account. I called on May 24 and May 25 and a male rep advised he saw that the account was closed and i will be receiving a full refund. However as of today June 1, 2022 i still have not received a refund and every time i call it states no rep is available and ask to leave msg.I have left several messages and no one calls me back. This company stole my money on a cancelled account and refused to refund my money. I am requesting a full refund for $9.99 and $10.00 ASAP

I somehow enrolled with bright money. Money started mysteriously coming out of my checking account. Then I received a over $80 membership fee. I reached out to them and they said they have deleted my account and my money would come back. I have yet to see any of it yet. I feel as if this business is legit but I was scammed very much so and basically their company was a pop up screen. Ive now had around $136.88 removed from my account and havent seen a dime of it back since talking with them a week ago. This is extremely frustrating, very misleading, and I feel conned. You will see in the uploaded pictures of my account the 8 or so charges that appeared out of my account.

I attempted to sign up for Bright Money's services but after completing the registration process including linking my bank account, I was told I didn't qualify for a reason I can't recall. I thought that was the end of that until June 21st I was looking at my bank account and saw a charge from Bright on May 24th for $14.99. I immediately began checking my emails for anything from Bright, found nothing, downloaded the app, attempted to log in and was unable to due to no account exists for any of my email addresses. I tried repeatedly to contact someone via the chat in their app and was told several times someone would contact me in 24-48hrs via email. I never got an email about my issue but on June 26th received an email informing me my support ticket was closed. I'm being charged for a service I don't even have an account for and support is apparently unreasonable.

On October 5th, 2022, Bright Money took *** for a membership I did not want. I contacted them asking for a refund and for my account to be closed, and they said once the transaction was posted, it would be reversed, and my account closed. They claimed this would take 3-5 business days. I have since contacted them two other times. The first time, the customer service representative refused to help, and told me they "emailed their boss" about my issue. I never received an email back from them. I messaged them again, and never got a response from their live chat. Their live chat also says when someone will be able to reply, and most times it would say I'd be waiting 5 minutes or less. During any conversation we DID get to have, it would be numerous minutes, even an hour at times I'd receive a reply. Their customer service absolutely will not help. I just want the *** refund, and my account to be closed.

I had contacted Bright Money via chat about a charge of *** to my account. I informed the agent that I was led to believe that I would be paying monthly, not yearly. I had asked the agent to refund that amount. The agent said it was no issue..and also told me I had Money in my stash..which is like a savings account. Bright is a financial app to help with assisting the consumer. She ask if I wanted that refund I said yes. She stated the *** hadn't reach them but as soon as it does..she will initiate the refund. Copy of the screenshots are attached. As of today I haven't receive any refund, except the $15 stash. Now I get a email and it seems they are giving me the run around. I just want my refund or if not I am filing unauthorized charges with my bank. It feels like a scam. Agents suppose to be available 24/7:as note on the app and website, but they are not...and there is working customer service number

False advertising on withdrawals from brights accounts to my personal accounts. I was told It would be solved but the problem still persists its going on three weeks to get my money but yet I haven't received the funds in my account there seems to always be an issue either the engineering team the account team or just excuse after excuse again it's been three weeks the first deposit had the same issues they never fixed it I simply want my money not promises to give me my money or fixe issues the bugs aren't my problem me not having my funds has affected my mental health and emotional well being. I'm stressed and depressed to the *** and I need help.. PLEASE IF YOU ARE A BRIGHT MONEY CUSTOMER CLOSE YOUR ACCOUNT IMMEDIATELY THE SOONER THE BETTER BECAUSE YOUR FIGHT IS JUST BEGINNING ON GETTING YOUR MONEY BACK DONT ALLOW THEM TO MANIPULATE OR TREAT YOU AS IF YOUR FINANCIALLY ILLITERATE GET YOUR MONEY AND DELETE THE *** DONT LOOK BACK

i signed up with bright because i was told i could get a up to a *** do u7redit builder of 5 pmts of $10 dollars i completed that now they want to do another 50 which wasn't part of the deal it says it takes 3-6 months. i paid for 6 month of service at 6.9p a month total of *** and 5 pmts of 10 dollars so another 50. but every time i try to contact them them have excuses after i get ignored for days with my membership im supposed to get 24/7 support which doesn't happen not once Ive asked to be refunded all my money due to not being given what im promised. but that could effect my score in a negative way i been told which makes no sense. im overwhelmed and frustrated and feel i get no respect. now im being ignored again and put off i just want my money back since im not being taken care of. i also have bunch more pictures of messages of bring ignored and told 24 hours Ive called number of times and no one is available or get hung up on.

I canceled my Bright Money account in April 2022, I have the emails from support showing I canceled it and that I wouldn't get charged anymore. I thought that would be it and let it alone, I noticed this month November 3rd, 2022 that I had a $9.99 charge from Bright Money, an app I didn't have on my phone since April and I canceled. I checked my bank account and they have been charging me since April, they never stopped. I sent an email to their support department at the beginning of November 2022 about this and received only the automated response that their support team had received my email and would reach out personally. I have not received any additional response from them, I have tried calling but always get "Our agents are unavailable to take your call right now". This is fraud since I rescinded my authorization for them to withdraw funds from my bank account and canceled the account. This has accounted now to $69.93 which was not authorized to be debited from my bank account, which this company needs to return.