Bright Money
Reviews and Complaints

I have been trying to get my bank details to work to enable the credit builder account to hopefully unlock the balance transfer fees. I have 5 email chain with multiple representative who have unsuccessfully given me any understanding on why my bank account is not working. I have Chase, an established bank. I have added it multiple times, made it my primary account and followed other instruction from the auto reply emails I get.

Although a phone number is given- it rings a few times and goes to a voicemail box. It does not even mention the company names.

I have also asked about the $50 loan ($10 a month credit builder) and have been told it’s an auto draft and “they make sure it does not overdrawn account” and is based on an algorithm. It’s $50, I much rather pay $5 per pay period and Finally luck the balance transfer feature.

None of the features have worked for me and it’s been over a month! Very annoyed at the poor customer service and the inability to provide basic information on what the actual issue is. There is no error given and only a blame on the user. To further add fuel to the fire, there was a noticed that my credit could be affected now.

Don’t expect this app to work if you have chase, and good luck get any answers from “real people”.

I enrolled in the Bright+ monthly service, which would mean I get billed December 08. Instead, I get charged an annual fee of $83.33 21 days after I initially signed up. Seeing that this was a mistake I tried to get in touch with a representative to get a refund. I figured it wouldn’t be an issue because Bright+ advertises 24/7 assistance. What they DONT tell you is that the “assistance” is just a bot that doesn’t even really help you. I spent 45 minutes trying to get in touch with someone over the phone before leaving an email and giving up. I want my money back, and I want my subscription cancelled. This experience left a sour taste in my mouth and I won’t ever recommend this app to anyone, since your customer service is left in the hands of an automated bot system that does nothing for you UPDATE: Even worse still. Your instant withdrawal is on the fritz. I was told it was a known issue and that there was no ETA as to when it would be fixed? You’re joking right? You guys come up with all these fancy updates but you can’t fix a key feature like instant money withdrawal? I’ve had the worst experience with Bright…I’m glad I deleted my account and I will never trust this service again. UPDATE: EVEN WORSE STILL I CANT EVEN DELETE MY ACCOUNT! IM SO SICK OF THIS!

1. DO NOT USE THIS APP 2. Their customer service number doesn’t work 3. They never respond to the chat or emails 4. The app is never up to date on your info and payments I started using this app for the purpose of building my credit about 4 months ago. They claim after 6 months, they will report the small payments/history and it will help your credit……I am skeptical BECAUSE i keep getting spammed with emails saying i “missed” a payment (for like $1.60) for March 14th even though it comes out automatically every time. The email states that if i dont pay it will be noted as DELINQUENT BUT NOWHERE ! in the app does it say i am missing a payment OR an option to pay anything. I’ve tried calling their Customer Support # but it doesn't even ring just beeps and hangs up. I’ve tried using the chat support BUT it tells me at first “2minutes until you’re connected to a representative” THEN all of a sudden refreshes and the time goes up! When i get of the app to do other things and get back in i get a message saying “sorry no one was available, we will email you in 24hrs with a response……did i ever get one? NO I DON’T! Then I email them directly and still get no response too. VERY UNRELIABLE, i have been keeping track of all the messages and emails in case they mark my account as delinquent and fight it for sure. I also tried to stop and close my account but they say if i close early (before 6months) they will report it as closed to the credit bureaus and my score could get affected. DO NOT USE THIS APP

The app just starts asking for information including your bank account before you know what your options are. I made it to the point where it only recognized one of my 3 cards on the initial set up. I stopped right there and didn’t complete the set up as it was not for me. I tried to figure out how to go back or cancel out at any point and there was nowhere on the screen to make that happen. Despite not going through the process to the end I saw funds come out of my account. I still cannot tell when, why, or how they decide to take funds from my bank. And I know the developer is going to pop up after this review and try to explain how it works but you should be clear up front when you are dealing with people who are desperate to get out of debt instead of preying on them. You aren’t told any of this up front. It’s very misleading. They say that they evaluate your account but if you already budget and overpay your credit cards don’t do this app. It doesn’t appear they take into account any other expenses (utilities, insurance, car, groceries, etc). It will screw your budget in a heartbeat. I finally figured out how to cancel and luckily I caught it when they had only withdrawn from my bank acct 2 times in 24 hours. This will probably be (thankfully) only a $17 stupid tax for me. If they continue to take funds I will report for fraud and to the ComplaintsBoard.com. I’m not struggling but for people that are the withdrawing of funds with no notice or schedule would be terrible. I have no idea how this has a 4 star rating. Feels scammy all around.

UPDATE: After writing this original review they sent me a response via email, gaslighting me and asking to remove my negative review. I was finally told that there basically was no solution to my problem of my account showing as disconnected, but having connected it successfully about 29 times.

They just responded with a CANNED “developer response” which you can read below. My bank account DID connect through Plaid, and WAS supported. They have some sort of bug or issue causing this problem. I’m not a developer and even I know that.

I don’t understand why they can’t be transparent, have REAL customer service and support.

Just don’t waste your time with this app. Pay the minimum on your cards every month and use the snowball method (smallest debt first), start saving a little bit of your own money at a time. Don’t trust an poorly developed AI on an app to do it for you.

If you need an awesome budgeting app Truebill is AMAZING ✌
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I really thought this was going to be a solution for me. The encouragement from the app and the motivation just blew my mind, and I thought, “Wow it is really possible!” I have tried this app TWICE now. First, it wouldn’t connect my account at all. Then I gave it another shot… I was able to connect my account but it shows on my Home Screen my account is disconnected. I have contact support three times and no one has been able to assist me. Someone claimed they’d help and send me an email update with more help but I never got it. Please explain why I have to pay $6.99 a month for that. Canceling my account!

I recently got this app about a month or so because I am in debt and wanted to figure out the best way to pay of my debt. I was looking online and saw that this was a recommended app. I tried using it for a while didn’t really understand it. I put all my information in and then when I didn’t see no progress I attempted to delete my account. I thought I had. Then fast forward a bit I see that it has been withdrawing money to the app in a “stash” I was unaware that the app did that and it was unexpected. I urgently needed the money and so in order to get it back I needed up having to pay a 99 cent fee. I tried looking for options on how to unlink my account or stop the app from automatically saving money for me but I couldn’t find anything. So I paused the savings. Now today I’m going through my bank statements once more and see that the app has still continued stashing money away for me. Mind you I had already deleted the app so I had to re-download it. I’m going through my statements trying to figure out what exactly happened and how much and to see if I could stop it but nothing. That’s when I noticed that it had continued saving money and not only that the app took the money from the “stash” and used it to pay for a years subscription of the app. A total of almost $90. I contacted support and have received nothing yet. That is just unacceptable. I would not recommend this app. It need A LOT of improvement. I can’t believe there isn’t an option to remove my bank account from this app. Instead of helping me out of my debt, it used my hard earned money for something unnecessary. I haven’t received any help from customer support. Once again would not recommend

So to start off, Bright Money seems to be in it's infancy so give it a chance. The developers seem to be continually updating the app, working out kinks and listening to user feedback. The concept alone is genius. It especially reaches to the people that have credit card debt, able to make atleast minimum payments yet still can't seem to take ahold and climb out of debt. In a nutshell, this app is a one-spot stop that lists your credit cards (min payment, due dates, apr, etc) as well as your checking accounts (funding accounts they call them) and then Bright will pay atleast the minimum if you set it up to for each credit cards. The genius part about this is that you set up a monetary monthly goal for your Bright account that has to be atleast the minimum of your credit cards that you want to pay through Bright. Bright will analyze your funding accounts (i.e. know how much you roughly spend on bills and other expenses monthly from your checking accounts) and put away money accordingly in the Bright account to pay atleast the minimum of your cards and then some if you set a monthly goal of more than just the minimums. It also pays it off smartly if possible, meaning it pays atleast the minimum payment before the due date (again if possible)making you pay less APR on the credit card. They just added a new feature which allows you to pick different pay off methods on how you would like to tackle your credit card debt (highest APR first, lowest balance first, highest balance first... etc) but the best part about that is that it tells you the advantages and disadvantages of each method. I am telling you this will be a game changer for many people if they are willing to work through the kinks.

Short version: I love the app and customer service is awesome!

Long version:
First, this app is incredible for me. I have always payed my credit card bills on time, but I was often scrounging around trying to be sure I had the money to pay them, and never getting them payed down, just paying the minimum payment most of the time. I started using this app and I have been amazed at how quickly I’ve been able to pay down my cards. Bright takes money out of my checking account regularly to fund the payments, rather than a huge lump all at once, but is sure to leave enough in my account for other things (I have it set to stop withdrawing if my account is under $500).
This is so effortless, yet I can track everything and stop anything at anytime or transfer money back if I need to.
Second, I had a problem with two of my cards showing up with the wrong card numbers, so I couldn’t verify them. I got on the customer service chat and Sophia helped me. She told me that they would work on it with their bank partners and get back to me. I thought to myself, “oh great, I’m never going to hear back, or it’s going to take forever.” The next morning I had an email from Sophia saying they were still trying to fix the problem and they would keep me informed. I was impressed that she took the time to update me and be sure I knew I wasn’t forgotten. Not long after that, I received another email saying that the problem was fixed and I could connect to my cards. So, I did, but one of my cards still wasn’t working so I emailed her back. Within minutes they had the second card fixed as well. During every step of the process I was updated with the progress, and what I thought might take several days was resolved in less than 24 hours. Awesome service!

So for the credit builder account they say they are going to take 5 payments of 10 dollars. And also they take 9.99 every month. They have not taken even one payment and when I had emailed them they said do not worry the AI will automatically take the ten when I have the money in my account and no payment will be counted as a late payment. Well it’s been 4 months and no payment was taken out and when I try to close my account it says that a closed account will impact my credit score negatively. They shouldn’t be reporting it then because if they haven’t taken a payment out in four months would that be four months of late payments? I tried contacting them recently and no luck. I don’t understand how they are able to automatically take out the membership fee but not the payment. It seems as they are trying to stretch the time of the loan so they get more membership fees from me. Why can’t I manually pay it? If it truly showed on your credit report as a loan by law you should be able to pay it when you want. I just want my account closed and none of this on my credit report. Please if a rep from this company sees this just close my account and I want to avoid this app forever. Download Ava or Self with those two apps alone my score went from 500 in August to 635 as of today.

Update: I contacted the company via the email in the response and finally got an answer. This is after, prior to writing the review, me contacting them multiple times in app to no avail. Anyways the representative was able to close my account and refund the 9.99 for the last time I paid which I appreciate. I still lost out on the previous three months that I paid the monthly subscription but I’ll take the loss. They were able to close my account and nothing will be on my credit report. Still would not recommend.

Bright Money started out good, but then things turned bad. I signed up last year, building up my credit score and the Bright Money credit line, increasing monthly until it was $850. Suddenly, the credit line stopped being increased and transfers from my credit line towards credit cards stopped as well.

I’d contact them, be told that transfers (disbursements) were on hold at the moment, and also that the algorithm did check my account, and I was ineligible for an increase at that time. They also said it checks monthly for a possible increase. Seemed odd since my credit score was improving all this time and it happened to stop increasing when the transfers stopped, but that’s what they said. I’d ask when the disbursements (to use their word) would resume… and I’d get no answer. I’d ask why there’s a hold, and if it was just me or everyone… and again, no answer.

The app would also take $2.00 out at random times, and usually in weird transactions like $0.61 then $0.39 for one of the dollars it would take. I’d be constantly transferring money back into my bank account from their stash account, even though I never set it up to take money to begin with. I finally got it to stop by setting my bank balance reserve really high.

Overall, it’s been months of waiting for the transfers/disbursements to resume, waiting for a credit line increase, and paying off what was left of the credit line I used. I paid it off quicker than I planned thinking it would spur an increase or transfer… but once again, nothing. I’ve also waited since paying it off to see if anything changed, with nothing still.

I’m done using this app and company. Customer service is hard to get ahold of, and when they do talk, they’ll eventually elevate the issue, which means an email will be sent. At that point, there’s no resolution since it’s the same canned response.

So hear me out. I may be a harsh critic here, and willing to revise my review in the future, but I think this app is deserving of 2 stars. Here is why;

The app is absolutely fantastic in many ways, and the idea of automated credit card payoffs are fantastic, but for the moment it is simply a “gimmick” and nothing more. The reason I say this is because they only accept Plaid connections. If you haven’t heard of Plaid, it’s a third party bank/loan connection platform for banks that have CHOSEN to allow the transfer of customer data through Plaid to give to third party apps: Simply put, I think it’s a little ridiculous that there isn’t an ability for subscribers (like me) to give Bright Money their account and routing #s and manually input their credit card due dates/outstanding balances. Every time I have spoken to someone on support, they all say “they are working on more support”, and I sincerely hope they’re not lying and actually just waiting for Plaid to do the dirty work, which would be embarrassing. I don’t think you are doing that Bright, but let’s pick up the pace a little bit? Struggling to find a reason to continue paying for this automation gimmick month-by-month if I still have to pay some bills manually. You’re not helping the consumers at the moment, and I sincerely hope your goal is to ACTUALLY automate the consumers credit card bills, because right now (at least for me) you are not automating anything. You’re just a buddy I pay to send a few payments here and there.

App works fantastic, beautiful UI, easy connections, little effort on consumer’s end to get started!

So in conclusion, I’m obviously writing this review not out of anger, but out of disappointment as I want to see the app succeed. I think someone in the Bright Money office really needs to get up from their desk and say, “screw this man, let’s actually get things moving along here! We’re literally innovating credit card payments for thousands, and we’ve stopped there? Unacceptable!” before this will ever be worthy of the subscription. Wish you the best and hope one of your teammates finds the motivation to serve your customers a bit more before this app is dead in the water because it couldn’t keep up with life’s innovative cycle.

EDIT (3/23/23)
I previously gave this app 4 stars about a year ago, but am lowering my rating after using the app for a longer period of time.

About 6 months ago, the app stopped automatically refreshing balances consistently, and when it does, it sometimes syncs up incorrectly. This causes problems because it will show the previous months payment until a week or two before the next one is due. Because there’s still no way to manually refresh the accounts, and for some reason the app isn’t able to tell when all cards have had payments made. Rather than ensure all of my minimums are paid each month before doing balance pay downs, it will just do balance pay downs randomly, which leaves not enough money to pay the full balance of at least one of my cards. Then, rather than at least pay the partial balance towards that card, it just uses the “extra funds” for further balance paydowns.

The only reason I’m not giving the app a lower rating with this edit is because it has helped my credit score continue to go up by another 15 points, despite the headaches I mentioned above.

TL;DR - PLEASE ADD A WAY FOR US TO REFRESH ACCOUNTS!

(PREVIOUS COMMENT, 5/2022 - “ Good app, some UI issues”
I’ve been using the app for almost a year & I’ve had a great experience! One of my cards is almost entirely paid off, my credit score has gone up 20 points, and I feel like my finances are very in control. I can see where the money is going, and the auto-pay feature has made this process much less stressful. If you’re trying to get the most out of this app, I’ve had lots of success by: setting a realistic savings amount per month, set a higher “safety” balance so the app can better judge withdrawals, and follow the recommended pay off strategy. The fee is nominal for the service provided, but definitely make sure you’re paying attention & reading the TOCs when you sign up! Why I didn’t give the app 5 stars: there could be more banks that the app should be able to work with (connectivity with the Apple credit card would be ideal!), and there’s no way to refresh your account balances manually. I also think it could be helpful if there was a feature to put pay dates & other bill due dates in to help prevent the app pulling too much at the wrong time of the month, but overall a good app & great service.

I really hate to write such a bad review for this app.

I subscribed to this app about 2 years ago and it did everything it was supposed to. It put money into a holding area to be used efficiently to pay down my credit cards. The algorithm it used was very unique and was thoroughly convinced this was the best way to pay down debt. I put all my credit cards on this service and it did the job well for quite awhile.

Fast forward to late May 2022, few months ago, cards started randomly disconnecting (some were the same cards over and over again almost daily). Balances on the cards weren’t updating, some cards were being overpaid or not at all, then it began taking $9.99 daily to pay towards one card and one card only (when I had 4 cards that bright was responsible for). When I first started using Bright, the company assured that late fees would never happen. That set-and-forget mentality was what was appealing, but not anymore.

I was told the AI determined that $9.99 was the amount it was necessary to take to pay down my bills. When in reality I had several hundred dollars specifically put away just for Bright to use on my cards, but was never taken out.

I saved up several hundred dollars at a time to manually transfer over when i had the chance. Then recently they put a $500 restriction and said that anything over $500 had to be manually verified with the accompaniment of a driver’s license or passport (PDF form). No mention of this anywhere on the app. I dont send things like driver’s license or passport info over email or any other form. They never needed it before and now its become a “rule”.

Then Support became a joke. It kept giving me the same type of answers for whatever problem I had and never really solved anything.

I work really hard for my money and take great care into services that manage my finances when it comes to paying my bills. So its disappointing to have to write something like this about a service that had such great promise.

Most of the recent reviews on the App Store are one star ratings since June 2022. I see a few 5 star ones but i suspect those are fake to keep their high rating, although its tough to prove.

Whatever the service was then is not the same service it is now. It became unusable for me from then on and I ended up canceling. I don’t believe its a scam but the service has gotten significantly worse from when it first started.

I’m having to resort to other more reliable means to pay down my cards now. Sad.

I am soooo grateful that I came across Bright Money as I was looking into options for managing nearly 20k in credit card debt last month. I had finally decided to face down this monster that had breathing over my shoulder for years. As I was entering my bank accounts and credit cards into various budgeting apps and other resources, I still felt anxious that I didn’t have a plan to pay off the debt. Even if I knew the numbers, the rates, and other details, this was new territory, and I felt intimidated by having to know the order to pay off my cards, not to mention when and how to prioritize savings and investments that might come up in the future.

When I installed Bright it seemed too good to be true, but it was clear as soon as I had added all of my accounts that this system not only would work, but it was designed and organized in a way to make its process and functionality accessible to users like me who may find this all quite overwhelming.

It didn’t take long for Bright to come up with my personalized plan, and I was able to make some small adjustments. I thought it was really cool how the Stash worked and how I could add savings goals of different varieties that were not debt related. Also having the ability to change the priority of payment between different cards as well as savings at any time is pretty darn cool.

I was very fortunate to receive a surprise loan at a great rate to cover the balance of my cards not long after I had started down my journey to be debt free with Bright. I immediately contacted Bright to make sure I could still use the savings tool and track whatever small future balances I might have. I didn’t want to give up this app so soon!

A representative was available immediately on the in-app chat, all my questions were answered in under 10 minutes, and I now have a plan to continue making this app work for me.

Bright offers a path to debt relief but I would expand on that idea to say that Bright offers a path to the relief that comes with knowing the burden of understanding all the minutiae of payments across multiple cards and accounts was off my shoulders. I didn’t have to take an accounting class or read competing theories online about debt repayment. Bright was handling all of that but still gave me the ultimate control if I ever decided to exercise it.

I am recommending this app to all of my friends and family who are literally paying for past mistakes still. I hope everyone who reads this will give it a shot. I forgot to mention it’s free for a long enough period to get to see how it works in general as well as how it will work for your unique situation. If you have a significant amount of debt I implore you to give it a shot. Trust me.

I canceled my membership in November was told I would receive a refund. I have not received the refund . I contact support several times a month I am told that it’s processing and it’s escalated. I have emails and screenshots of this whole ordeal and to top it off the still didn’t cancel my membership I get emails thanking me for my continued participation

Just wanted to try out service on free trial to help credit or debt regardless, but instead of charging a monthly rate they just choose out of nowhere to take 89.99 which put my account in negative I was told to cancel membership and use some link they emailed me I did not it just say they never charged me contact the useless customer support so I guess I'm a have to just file a dispute with my bank maybe the bank can get my money for me

I signed up in August 2023 for the trial and then I wanted to cancel the service. The app and website doesn’t allow me to log in it only allows me to sign up. I emailed them in August, no response. So I keep getting charged $29. I’m going into November 2023 and still being charged. I’m trying to keep my cool, I don’t understand why I have to type so many words just to post this and hopefully get assistance. Shouldn’t have to do all of this to get assistance. The system is so broken and I’m so over it!

I signed up for a credit plan to help build my credit for $10/mo. They charged me $89, $30, $10 and $10. I called them immediately and no response. The chat bot told me how to cancel but I never received a refund for the money they withdrew and didn’t tell me about. I’m very called them for over a week , no response. I’ve emailed them for over a week and my emails never get responded to or answered. I want my $139 refund asap. Im pissed they charge me and never disclosed this amount nor the amount when you signed up

I NEVER gave (1)Bright Money permission to use my personal information to run a credit check through a company called (2)Open Road Lending and then Open Road Lending used my personal information to then use (3)Exeter Finance to run my credit again. I would like ALL these inquiries removed from my credit report which is fraud. Under the Federal Consumer Credit Protection Act you ALL are in violation

My bank account has been charged so far I only k ow as of twice but I am looking into it and getting all statements but I have no idea what this is and want an need my mo ey back my house burnt downike 2 weeks ago and I just now fi ding out multiple company that I have never heard of are Taki g random ammou ts of my money that is not mine this is my 12 years Olds SSI money I'm just his payee so my sons mo ey ssi money is being g stolen and I need and want it back I sent proof it was taking and I need it refunded asap thank you

From Jamie Scott

Cell# [protected]

Email 1 of 3 [protected]@GMAIL.COM

Perfer text or calls for respons thank you

Around September 13th, 2023, I seen through social media I could get a credit line with decent rates, so I downloaded the app and made an account. I didn’t get a line of credit, just some options that were very confusing. I tried to see there offers but I wasn’t able to find what I needed. I then thought nothing of it and didn’t use their services. To my surprise, yesterday morning I noticed a large charge to my bank account from Bright and it was labeled: Membership fee. I never decided to be a member and I definitely didn’t agree to pay them for a year of service. Contacting them has been extremely difficult and have received no answer via phone/email. Hmmm.

Debited $99 from my account without consent, customer service gave me run around for over a month. Finally “downgraded” the sub I never signed up for in the first place, and the $63 partial refund goes into a “stash” account after weeks of waiting.

You must connect a bank account to “withdraw” said “stash”, only my bank account will not connect, it never was connected in the first place, but they found a way to take that $99.

Such an obvious scam it’s mind blowing.

Sadly I fell victim to this application, thinking I could better my credit score but was just taken advantage of.

Opened bright account on Aug 29th with 1 wk free trial and emailed support on Aug 30th to cancel my membership.

Support confirmed that my membership had been canceled and account was downgraded to the free version.

On Sept 6th my bank account was charged for $89.00 for the annual membership fee, which subsequently overdrafted my account as I had just paid bills.

This app took 5 unauthorized withdrawals from my bank account in the amount of $55 leaving my bank account in the negative and no human being to speak with about refunding my money back to my account. I've emailed and searched online for ways to contact them and all there is is constant emails and I don't even see my money at all in the account on their site. I signed up for Bright money bc they lied and said they were a company to help build credit and instead they have robbed me of my last money until pay day which is a week away for me.

My name is Amy Helton and My bank account -card was charged yesturday for the amount of $99 i never signed up for Bright money till yesterday cause i was needing a refund and was told i needed to cancel my subscription everyone just ran me in circles never got any real answers or a refund so once again i was charged $99 for what and i still cant advance cause i don't qualify. I dont understand why your company just helped themselves to my account and i dont want to wait 3 days for a refund cause your company had no right to to steal my money to begin with i emailed and even attached a copy of the withdrawl from my account I want answers now

Chat threatened to charge me. I immediately deleted my account in its entirety and began reaching out to customer service via email and live chat to be assured no charges would come out of my account since no service was provided. My account was active for less than 30 minutes. No one will respond to me. I tried to also withdraw some of my money, but it was useless. After filing complaints with no response, which made me check for (w w w. Glowbancircuit. Tech) and I was able to watch several testimonies and reviews which led me to the retrieval of my funds back. Beware of where you invest your funds.

I have been trying to reach out to Bright Money since last week 08/21/2023 with calls, live chat and emails. the phone number never works, the live chat always says they cant help and tell me someone will email me, and the only emails ive received is asking them to rate how they have done. I have over $400 that I need to remove from this platform. the customer service is horrible and I do not trust having my money in a place where I cannot communicate. I need my money withdrawn to the chase card on my account asap!

[protected]@gmail.com

They stole money out of my account without my permission $99.00 they have a bogus number that doesn’t work evening when u call business ours and they say you can speak with a live agent but it’s a reboot and they just steal people money and ignore them this business is somewhere in India they are running a fraudulent business and need to be stopped immediately

I signed up for bright money to save money and keep track of paying my debt. Bright Money kept taking from my account when there was nothing there. This cause 56 insufficient funds fee worth 29 dollars each. That’s is 1624! My account was overdraft -982 because of this. We are in a recession. My pay was cut so short because of the negative balance. No one responds to the message. I messaged august 10th and 16th still no response just an automated message. I would like a refund this hurt my family financially.

I’m was auto enrolled August 23, 2023 into a subscription service where an agent on live chat threatened to charge me $36 for the subscription. I immediately deleted my account in its entirety and began reaching out to customer service via email and live chat to be assured no charges would come out of my account since no service was provided. My account was active for less than 30 minutes. No one will respond to me.

My name is lavada Bartow I would like your guys to please refund my money back to my account. I also would like an apology. It started like around November the 14th 2022 $10 also November the 18th 2022 $83. 88 cents another $10 on November 21st 2022 another $10 December 5th 2022. January 3rd 2023 $10. March 23rd 2023 another $10. April 21st 2023 June the 15th 2023 they took out a $1.25 $5

I had saved up 678 and attempted a withdrawal. All of a sudden my accounts are disconnected and will not reconnect.

I go through at least 4 customer service reps to get help and no one can get to the bottom of whats going on.

First the tell me it is a verification issue.

Then it's a bank connection issue. ( even thought the intial email did not mention my accounts at all.

They then tell me plaid does not support citibank. Which is not true because you can see citibank as an option as you try to use the Plaid service. Also my connection was successful UNTIL I'm taking back to the bright app. THIS SHOULD BE ILLEGAL

Applied to use bright money service was very excited to get things moving in a positive direction. But, bright money couldn't connect through plaid to my bank. At the end of April 2023 I was offered a refund was told it would take about 10 business days. I contacted via email and spoke to Jerry who assured me he would get this resolved x. Weeks went by, so I called the company number and spoke to Jerry who apologized and said again he would escalate this and I’d have my 99 dollar refund by July 31st. It is now mid August and no refund no email.

I noticed the charge on my account because it has caused an overdraft. I didn't recognize the charge at all, checked all my emails and nothing. Went to their website and it told me to go to my app. I don't have their app. Never have had it! I have been trying to get someone to respond to me but all I get is bot responses saying I will get an email...no email!