Bright - Crush Your Card Debt App Negative ReviewsBright Capital Inc

Bright - Crush Your Card Debt Negative Reviews

4.7
4.79981 star

Total 39 Negative Reviews

Bright - Crush Your Card Debt App Complaints & User Negative Comments 2023

Bright - Crush Your Card Debt app received 39 complaints, negative comments and reviews by users. Have you ever had a bad experience using Bright - Crush Your Card Debt? Can you share your negative thoughts about bright - crush your card debt?

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Bright - Crush Your Card Debt for Negative User Reviews

This app WILL take your money before you even decide to use it!!!I have been trying since May 11, 2023 to get a refund! This app will trick you into thinking you’re just checking out the plans, but they WILL charge you and keep your money before you even decide that’s what you want to do! Not only that, but it’s very shady about these “monthly plans”. They boast a small charge of $7.41/monthly, BUT what they ACTUALLY mean is they’re going to charge you for the entire YEAR. (This is specified in a VERY FINE, LIGHTLY PRINTED print at the bottom of the page, and I was not wearing my glasses, so OF COURSE I didn’t see it.) Regardless, I wasn’t even aware that I even signed up in the first place!! I looked at the plans, but I hadn’t signed up, or so I thought! I was l charged $88 out of the blue and of course had to investigate to find out what in the world was going on!! I have been emailing their poor excuse for “customer service” since the 11th of May! And I had to send MULTIPLE emails to get anyone to respond!! And now they’re saying my issue has been resolved, because they cancelled my “membership” that I never used nor signed up for! They will not respond in regards to a refund, and I sent a third email today regarding this! It’s absolutely ridiculous! I feel completely taken advantage of! If you are going to use this app, be VERY VERY careful!! And good luck if anything happens and you need assistance! Customer service is a complete joke!.Version: 1.39

Horrible.At first I thought the idea was pretty cool, but then I noticed things I didn’t like. For example the app is constantly being disconnected from my bank and it doesn’t tell me when this happens until after many weeks - right now I noticed it was disconnected back in Nov and just never reconnected it again because I feel like I have to do this multiple times a month, and today I just got a text message from bright telling me there was a bank issue. At the end of the month when things are due. So they should work on letting you know the bank disconnect after two days. Second thing is I have a minimum limit set.. when the bank was disconnected and reconnected, bright took more than it should have past the min amount and then overdrafted me. Third thing is the monthly fee I don’t recall ever agreeing to. It’s $10 a month. I feel like it’s a hidden charge - and finally. The first month it made sure to save extra and actually pay down my debt on my one card.. then after that it was only making minimum payments and not paying anything extra, but making sure to save enough for their monthly fee. Needs a lot of work..Version: 1.32

Stole my money!This app is extremely misleading and useless! I made an account back in December. When I signed up there was no mention of a monthly fee and I never agreed to pay for anything. They charged me $9.99 in January and I didn’t even notice the charge. They charged me again February 15th and when I saw it I thought it was then taking out money to put into the app account to pay towards my credit card payments. After a few days I never saw the money in the app so I emailed them last night about it. I got an email this afternoon asking me about how I would rate the suppose to received for my issue. At this point I’m confused because I never received a response email about the situation. I scroll down and see an email attached showing that someone had responded maybe 30 minutes after my first email. But I literally never got it. I searched my junk mail, trash, EVERYTHING and there was nothing there. So I had to send a completely new email to try and get a refund and now I have to wait again for a response. Definitely not a helpful app AT ALL and just like the year 2020 I WOULD NOT RECOMMEND!.Version: 1.23

Great idea - when it worksI’ve tried to use this app off and on for about two years now, and it’s like that friend you complain about a lot but can’t quite decide to get out of your life. In the handful of months it has worked properly, it’s a lifesaver. Seriously. I have really large minimums on some credit cards and being able to break that up is phenomenal. But the app requires constant monitoring because it constantly misfires - not withdrawing enough money, randomly cancelling payments, due dates and balances not updating automatically so payments don’t get scheduled in the first place. The support is okay and always restarts everything but that process takes several days every time, creating additional disruptions with withdrawals and payments. I really want it to work correctly because it’s unbelievably helpful in the months where it has functioned the whole time. But unfortunately those are very outnumbered by months with problems as of now..Version: 1.39

Good luck talking to customer serviceI was really excited to try this app. I went through all of the steps to set everything up and it was pretty glitchy. I had to try three times before my bank accounts were connected and then it asked for my ssn and I entered it and it said that it couldn’t verify it. I know it was correct and even if it wasn’t, the box popped up so fast that I knew there was no way it was even sending it. So I tried using their chat feature and got no response, restarted my phone, waited a day, tried the chat feature again, called and left a voicemail, waited another day used the chat feature again, left another voicemail and at this point I thought to myself “Do I really want a company to have access to my bank accounts who I can’t even get into contact with?” Finally I emailed and chatted “PLEASE CLOSE MY ACCOUNT!” And after 5 days I finally got an email yesterday saying that my account was closed. No apologies, no questions about what happened. Safe to say, I would 0/10 recommend this app or company.Version: 1.39

Unresponsive & unreliableI signed up for this thinking it would help pay my credit card down. The whole app makes you believe they will pay your credit card bill automatically every month and they will refund a late fee if it so happens to be late. Two of my payments weren’t made and when I reached out to customer service I didn’t get a response until my third try. They didn’t resolve anything or answer any of my questions, just said there was insufficient funds in my account so they weren’t able to pay my credit card bill for me even though they charged me over $250 to set aside for those exact payments. My credit took a hit because of the late payment history and I never got a refund for the late fees. Their credit builder line of credit doesn’t work either. My money has been sitting there for over two months with $2.78 left to pay in order to finish the loan and it won’t let me manually pay the remainder. Once again, no response when I reached out for help. DO NOT RECOMMEND!.Version: 1.38

Awesome app BUT my accounts keep disconnectingI really love this app BUT my accounts keep disconnecting which is the reason for giving it a 2 star rating. I reached out to Bright for assistance but they were NO help. After troubleshooting the issue on my own I found that if I updated the password to my account that disconnected and re-entered the new credentials in the Bright app the account successfully reconnected. Well when I logged in to the app this morning (just a few days after re-establishing the connection to previously disconnected account)I found it disconnected AGAIN and another account also disconnected. I logged into the accounts and changed the passwords and re-entered the credentials in the Bright app but no luck. I keep getting a message saying the accounts are already connected BUT they are not. This is so frustrating because the whole reason I opted to download and use the app is for the convenience of having everything in one place, using the automated payment option and bonus, I love how the app automatically saves money for you. Not sure this app is for me at this point. Previously I paid my accounts through automatic payments and I may just have to go back to doing that at least until Bright improves on their customer service and fixes this bug. I really want this app to work, ugh..Version: 1.20.1

Great concept, terrible outcomes.I have been with Bright a little over 6 months (primarily to help build credit) and from the start I was not aware of the service fee of $10 to maintain the program on top of your monthly $10 payments. Secondly, I was informed that after 3 on time payments I would be eligible for a balance transfer after 4 months hit I reach out to their customer service department to inquire about the eligibility and they stated my score was not high enough to offer… ok that’s fine still misleading though.. Thirdly I have been with the program over 6 months now and the credit builder program is technically “completed” after 5 successful payments & is stated to report to credit bureau AFTER completion. It has yet to report, I have reached out to customer service NUMEROUS times & only received generic scripted responses. Nothing helpful at all. Though their CS support has improved it has been a struggle the entire 6 months to get any REAL response. Again, app has a good structure, great concept…. however needs to actually work. I would love for it to just report to my credit bureau like I’ve paid $60 for..Version: 1.39

Horrible appApp is completely useless. I’ve set up smart roundups at least a dozen times. Verified my account is set up and linked properly but it never does anything and then acts like I never set up smart round ups in the first place. I also set up a savings goal and nothing with that ever happens. I contacted support chat once and they never responded to me and sent me an email saying it would occur when the card payment was due, which never happened. Contacted support again for the smart round ups issue. Never helped me. Contacted third time, finally got someone in chat to respond. They asked me a question, I responded back right away, then got no response for several minutes just for the chat to close saying they couldn’t help me. How is that when they never responded back to me. They sent me an email follow up the next day, I responded to that then they never got back to me by email either and closed that out as well. App and customer service is horrible and I’ll be deleting app unless I can finally get some assistance..Version: 1.39

Good for Some. NOT FOR ME!As I’ve read through some of the reviews. I also got hit with an automatic withdrawal. Fortunately, my withdrawal wasn’t large enough to have a real impact on my bank account, but I do worry about how much more will be withdrawn until my account is completely deleted - which I couldn’t get a straight answer on. I had the not so great pleasure of speaking with Sophia. She didn’t give much help, but kept using “as mentioned”. How can you know what to safely transfer out if you don’t know what I’m spending each day?! I would’ve been good with a set amount transferring over each day or week, rather than waking up and money is transferred - it’s random! There must be some fine print somewhere about the cost! I don’t recall seeing that until I signed up and started clicking on things to see for myself. My balances wouldn’t appear, my due dates were wrong. If I have to fix everything that you are supposedly linked to, why bother linking my credit cards?!.Version: 1.20.1

No Communication, misleads you to get more money.When I got this I initially thought it was an easy to use cash advance app like it’s advertised. Upon using it, it tells you that you have to give it $50 first in increments of $10 before you can cash advance/loan from them. Which would be fine. But then has you choose a date in which it will take the money out. Still good. However it requires a subscription, but doesn’t tell you that the date you chose is actually the day you get charged for the subscription. Not the date they take $10 out. Therefore I was charged $37 before I was prepared to. So when I reached out to communicate with them, the chat says it takes up to two minutes for a reply. I’ve waited 10 days so far for a response. Despite multiple messages to them and being told they’ll reach out in 48 hours each time. And then eventually just told me I’d receive an email at some point. So the lack of communication and tricky wording makes this feel like a scam and I’m sorely disappointed that when I needed money, they instead took more money from me..Version: 1.40

Julie-don’t download!It tells you that you will have a 10 day trial and will be charged monthly for 6 months at a time. This is not the case. They charged me the entire 6 months 2 or 3 days after opening the account with no warning! They also took the $10 for the savings account on the same day. When they took all of this, it overdrew my account. I sent messages in the app and received a response via email many hours later, when it said it would be 1 hour tops. The first 2 emails basically said they are sorry. I had to write 2 more to receive a response that they will credit me the 6 months they charged yet didn’t address the $10 or the fact they cost me $70 in insufficient funds fee and now it looks like I cannot budget my money to creditors! I am still waiting a response, the money and for someone to address the fact they made a mistake and have caused me to have a negative balance!!!! I cannot express how angry I am!! Don’t use this app!! There are many, many others that have the same features and more, for less money, and actually do what they say and actually have customer service!.Version: 1.36

Another under delivering finance app.Pictures speak a thousand works. Go to my Google Maps review of Bright Capital, Inc. to see the screenshots of the circumstances described below: I’ve paid into this service with their annual fee of ~$89. To start off; the phone number they list on Google immediately says; “your call could not go through, please try again later.” The other phone number on their website when you select, “Phone,” is a pre recorded robot message that ends with , “No agents are available to take your call.” I thought maybe my number was black listed from them or something so I’ve even attempted to use my wife’s phone and the same circumstances apply. Their online chat service has repeatedly produced nothing and again; a pre written message says I’ll receive an email “within 24hrs.” I’ve checked daily for an email and even made sure it wasn’t in my junk folder. I am beyond frustrated by this company’s marketing proclaiming “real people” and “respond within a minute.” If I had the power and energy I would sue this company over these circumstances. Ultimately I want someone from this company to fulfill the promises they make to their PAYING customers..Version: 1.39

BRIGHT-HELP DESKThis is the worse help desk I’ve ever interacted with. This company is handling its consumers money and should have agents at the phone on standby to help customers experiencing issues. Im 22 and have no problem interacting with a help desk via the bright messaging system but my problems are never addressed. I’ve been told agents would contact me via email and no response was ever received. Ive been told an agent would be calling me to resolve my issue and I never heard from an agent at bright. Ive even been told my issue had been resolved when it still was very much not resolved. Note: (Money from my “funding account” was actually being pulled from one of my seperate bank accounts with the same bank.) This caused me to overdraft mutiple times costing me $80 in overdraft fees. The first time I caught this I gave bright the benefit of the doubt and contacted the help desk. They looked at all my banking information i reprovided and they notified me it had been resolved. I received another overdraft fee 2 weeks later. This has been a very frustrating experience with an app that is supposed to help build a better finacial life for its customers..Version: 1.38

Terrible customer serviceAt first I liked this app. It seemed pretty straightforward to use. But over time it just wasn’t very effective for me. The algorithm couldn’t seem to grasp my income schedule, so the auto savings/payments were sporadic and ineffective. So I reached out to cancel. When I hit the cancel button in the app it directed me to a chat bot. There’s no phone number I could find anywhere, just a chat bot. After many hours the bot finally responded, telling me I needed to pay off the bright money loan before I could cancel. Ok fine, I paid it off. After a few days that payment went through so i messaged the chat bot again “please cancel my membership”. I got a response after a few days that it had been cancelled. A month later they debited my account for the membership fee, so reached out again requesting cancellation and a refund. No response. Another fee. Finally I get a response saying someone will email me in 24 hours to assist. Days later and still no email. I used the cancel button in the app again but no idea if it will actually work. I’m alarmed I gave so much personal financial info to an app that seems to run very poorly..Version: 1.39

Don’t waste your money doing this.* Giving 1 star only because something had to be giving to post this review. This company is terrible and will take you money as someone said in another comment. I didn’t even know they were withdrawing funds out for the membership. The bigger issue is they have no response with any inquiry other than the automatic responses. Even though it states they will respond in 2 mins. When trying to call the number on their website it ring once then busy signal. I paid for the service on 6/5 and do not like the customer service above anything else so I put in a cancellation notice 6/8. 3 days! It’s giving SCAM!! I want a full refund. I have never experienced such terrible service from a company I’m paying for. **Update since response** Stop the CAP. I just fully cancel my subscription because when I initially submitted a request to cancel my subscription it was in a “pause” status. I didn’t want to pause button cancel. But if you had great records I would be on the log for 2023…. Run me my funds back. Thank you.Version: 1.39

Horrible Customer ServiceMy account has been on owing $0 for 4 months now I reached out to customer service as my account has been stuck in 62% status for 4 months and each time they respond just giving me the process of how it works. I’ve mentioned multiple times that I know how it works but ask them to check into my account specifically as it shows $0 is owed, if I try to just get my money I get a warning saying stopping it early will affect my credit score negatively, but yet Bright can’t seem to tell me how much longer I have to let the ml why just sit there after it being on $0 owed for over 4 months. I asked for this to be escalated and have yet to hear back. I don’t really care about having the money soon, I just want to know how much longer the process will take as it has been stuck on 62% for such a long time but they seem to now know, I have used another app before similar to Bright and did not have any issues with them. So this is really weird. Also I keep having to reconnect my bank account everytime I login which doesn’t make sense. I would suggest looking at other options rather than Bright I am glad none of my friends used my referral on this app..Version: 1.40

Good idea, but not for everyoneLong story short, I had almost $300 taken out of my checking account and bright was to pay it toward my credit card...the only problem is 3 weeks later my credit card issuer reached out and said they had not received a payment for the month and now was overdue. I thought bright paid my credit card weeks ago? Hmmm. Basically Bright had taken my money and for whatever reason the payment never made it to my credit card. It was still processing and the “estimated date” bright said I should expect to see the payment go through kept getting pushed back every day. I reached out to support and they were able to reverse the funds back to my bright account which from there I could transfer back into my checking account. Thankfully I got my funds back today and closed my bright account. I think the app is a great idea but it didn’t work for me at all, i’m just better off paying it off myself rather than have a 3rd party do it for me. Support was very helpful but i’m sad it was a below average experience. :(.Version: 1.26

DisappointingI’ve been using Bright for going on 8 months now and it has done nothing for me. The biggest reason I got it in the first place was in hopes of getting the credit line, primarily to increase my overall credit line, and secondarily for the balance transfer. My payment history was already in good standing. I was in the process of a job hunt after leaving a job I was very unhappy with. After burning through my savings, I ran my credit cards into the ground until I finally ended up in a MUCH better position. Obviously climbing your way out of debt takes a while. I wasn’t approved for a credit line with Bright upon initially signing up. I was okay with this because of my low credit score. I have since raised my score by over 50 points (on my own, by making huge payments on my credit cards, so Bright gets no credit for this) and have brought my CCU down by over 10% since then. And I still haven’t been approved for a credit line for balance transfer? I’m very close to going from Fair credit to Good credit and I still can’t get the help I was looking for from Bright. At this point I’ve basically just done everything on my own and wasted money on a subscription that has done literally nothing to help me with my situation. Maybe others had a good experience, but in my experience Bright did nothing but disappoint..Version: 1.39

Great concept, poor implementationI like the user interface of the app and the ease of connecting all your accounts to have a good overview. I was interested in doing the Credit Builder program and I signed up. I was charged $99 for a membership, I was never given the option to choose the monthly fee instead, it all got charged at once. I’ve been waiting weeks for the Credit Builder program to begin and so far nothing has happened. In a nutshell, they loan you $50 and you pay it back in 5 $10 payments to build your credit. This is supposed to reward you with the ability to perform a balance transfer of up to $8000 to a Bright Money line of credit. It would be amazing if it would actually work, but after contacting the company on two separate occasions and never hearing back, it’s hard not to think this is a scam to just get your $99 and run. I was able to escalate my concerns and they said they would be issuing a refund of the $99. I also deleted my account and am disappointed that it didn’t work out, but glad they addressed my concerns. Update: Here I am over a week later and the refund never came. I guess I shouldn’t be surprised. This is what happens when AI is left to run a business.Version: 1.41.1

Absolute wasteThis is such a waste of money and has done nothing but create more stress in my life. You don’t get credit line increases like they say. Then there’s the fact that is near impossible to change your bank account and remove the old one. Which is even worse cause then “bright doesnt work until the account is reconnected” even though I don’t even have the bank account anymore. So I’m paying $10 a month plus repaying the measly $200 they lent me for nothing. Oh and they randomly take money out of your account for “savings” and you can’t turn it off. And the money ends up being taken and goes towards paying them back anyways. I’ve had to deal with 2 returned payment fees in two days trying to pay my actual credit card bill that they were supposed to help me pay off cause of these random withdrawals. Then to top it off, customer support is absolutely non existent! I have tried to contact them numerous times about these issues and have gotten no response whatsoever. Not from the chat option or email. So just pay off your card the normal way. This will hurt you far more than it’ll help.Version: 1.39

Worst customer service available.I was promised and told 3 times that I would get refunded because they charged my account AFTER I cancelled my subscription, this resulted in a negative balance in my bank account of (160) because they’re charge screwed up my math and cause a domino effect of overdraft fees! After 2 weeks of genuinely struggling to contact them, I was promised a refund by two different people, I have screenshots and everything to prove the transactions and overcharges. I got told “dont worry, I’ll take it from here” from Ava in guest service, after initially getting told by Andrea in guest service that the issue would be resolved, and yet I never got my refunds and than got completely IGNORED BY CUSTOMER SERVICE, they genuinely hung up the phone before even talking with me and than made it so that I can’t reach guest service through the app chat, I HAVE to email them, to which they continue to ignore me! So long story short, after I canceled my subscription with the app I continue to get charged fees which resulted in a cash loss of (160) which I guess I’ll never see again, which I cannot afford to never see again. So I guess I will be eating rice for the next few months. No thank you for your help. I’m so upset, and honestly sad. 10/10 would never recommend this app..Version: 1.35

Horrible support - FRAUD ALERT**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.Version: 1.38

How has anyone has a good experience?I don’t normally write reviews first off in fact, I think this is my first one for the App Store. But I wanted to say there’s all these great reviews I don’t know how because I think it’s a scam I tried to cancel my account the very next day after starting this account and when I was on the chat, not only did I get disconnected because I didn’t answer quick enough from the person who was helping me but I can’t get anybody back on the phone now I can’t get them on chat I can’t get them on email and they keep sending me sending me the same stupid email telling me how to cancel my account about five or six of them in a row, when, in fact, by the time I was helped, there was a guy that help me and he did say that I had no worries that he would make sure the account was canceled because they kept sending me a link that was broken to cancel it. They said 2 to 3 days for a refund so I’m almost 100 bucks right now and here we are six days later and still nothing and I can’t even get a response from anybody now..Version: 1.41.1

Fraud at this pointMy husband and I were looking for a way to pay off credit card debt and be able to keep track. I found this app and almost instantly decided it wasn’t for us so I deleted it, thinking these accounts get deleted for inactivity after so long, say 3-6 months since I even thought about the app. This morning I check my account and see a charge from them. I go to support about it and they said I was charged for memeberships services which I did NOT authorize or signed up for. So they pretty much signed me up for services I didn’t want and used my bank information nearly 4-6 months later to charge. This is fraud and I will never use any app like this or anything else that offer this service because of my experience here. Support also claimed for it to be refunded in 3-4 business days. But if they just willingly took my information I had and charged me months later with no email confirmation or anything also. Then I doubt I’ll get the money back. DO NOT USE!!.Version: 1.31

Just DON’T!!!It was my understanding that I was borrowing money at lower interest to pay off my credit cards and paying Bright back instead but instead I was only getting further in debt by still having my credit cards and adding a membership fee to Bright. Not the “Brightest” idea for someone trying to get out of debt. They charge you $36 for 3 months at a time BEFORE you even start their membership that you have no idea about and it’s just a scam to take your money. If I wanted to just enter into a membership that rounded up all my purchases to the next dollar amount and put that into a savings account I would just use the FREE savings account I have elsewhere. This is hugely false advertising as it isn’t a pay off credit at a lower interest rate because I’m literally using my own money EVENTUALLY that’s saved up to pay the credit card debt while I’m still currently paying the debt until I’ve saved a penny here and a penny there to pay the debt off myself at the same high interest rate. My advice to anyone looking at this thinking this will help you consolidate and have lower debt DON’T DO IT! You are just incurring more debt..Version: 1.41.1

Horrible!!This app has taken money and it doesn’t say where on the app or when it would take money from your bank account. It hasn’t posted to my credit cards, it was quick to take it out I’ve only had the app for a few days. I don’t agree with your response. One of the “team members” I chatted with on the app about my frustration just kept saying he understood and bright is a young growing team. BEFORE YOU HAVE PEOPLE LINK THEIR ACCOUNTS YOU SHOULD TELL THEM WHEN THEY SHOULD EXPECT THE MONEY TO BE TAKEN OUT. This is literally still ridiculous. I had my “goal” taken out of my bank account last week and I didn’t know that they automatically take money out I just believed I would be able to click and take my OWN money out when I thought be best. They told me last week they were waiting for it to post and then it would be transferred back. Couldn’t tell me how many days even thought they were very quick to take it out. I got a message from Bright through my email today that it would be reversed in 4 to 5 business days after I finally emailed bright and told them I thought it was ridiculous that they couldn’t tell me when the funds could be refunded. May I remind anyone who reads my review a only had the app for 2 or 3 days before they initially took the money out and now it’s taking over a week to be reversed..Version: 1.20.1

A semi-scam - will work for VERY few - mostly a waste of time and mostly money.I signed up a few months ago. Same as everyone else - very shady - says monthly then pulls the whole amount then charges monthly and 3 payments in now my account has disappeared. They want me to reconnect the accounts again but I know this is to only charge me the full yearly charge again and pretend like I didn't make any payments. I've been trying to reach their customer service for weeks like with no avail. They took 3 payments, saved nothing, did nothing but take away 3 points from my already not too bad score and completely seems to have reset my account now claiming I never made one. I have email Proof and transaction proof but no one responds so all that is pointless. I would suggest to calm your back, dispute the yearly if you were charged, dispute the monthly charges and block this company in your transactions. This is a meticulously made scam that really can all be done by YOURSELF with a little bit of understanding of what THIS company is trying to do. They have no live support, the phone number is a misleading one (asks to dial *611 for help but that's actually Your own mobile service's customer service. DO NOT FALL FOR THIS APP AS MOST OF US HAVE! Please stay away!.Version: 1.40

Too much to say...They drain your bank account. you can’t have extra 5 dollars on your account because they will withdraw it and start making payments non-stop. So if you want to have spare money bad luck. They don’t pay attentions to your credit cards they just pay, pay and pay till the point that they sent a $222 payment to a credit card that had $0 balance so now I have a credit card with $-222. Make no sense. They did it couple times and I called them but they don’t really care and still sent payments to the credit card with a $0 balance. They just send an email apologizing but they don’t really do anything about it. The point to have this app is that you shouldn’t have to call them to let them know which and how much to pay on the credit card. (Which I did few times because they were sending payments to a card with $0 balance) They only good thing is that they give me a $1500 credit with a little lower APR to pay off couple credit cards. better than nothing. But Still I give 1 star for the horrible customer service and for not being carefully with sending payments. UPDATE: their response is always the same to every bad rating. (Copy and paste) It seems that they don’t really read our concerns. Another reason that confirms the 1 star rating..Version: 1.20.1

BEWARE IT IS A SCAM!If I could give this app a rating lower than one star I would. It is a SCAM. It isn’t compatible with some credit cards so you are unable to properly track anything. They offer to have you pay off a small “loan” in order to improve your credit over months. The “loan” is you paying them $10 a month on a random dates whenever they choose to charge you, you are not loaned any money. The “loan” is $50. Once they start charging you for the “loan” if you try to opt out they threaten it will negatively effect your credit, so you are stuck paying them $50. They also don’t do a good job of disclosing that the app charges you $10 a month just for using it. So you are paying $20 for a service you can’t use for a minimum of 5 months. When they pull the $10 for using the service, it is also on a different day each month. In conclusion you will be trapped paying at least $100 for this app. I was charged the first month without it going towards the “loan”. My “loan” started to appear to have payments towards it the second month. So I’m going to end up paying them $120 by the time this is over. Again they threaten it will negatively effect your credit for opting out..Version: 1.39

Don’t download this appDONT DOWNLOAD THIS APP. Been trying to cancel since i downloaded. Didnt ask me to join just said to put bank info to see statements and reoccuring bills and hidden memberships then ALL OF A SUDDEN my bank account said i was paying for a membership for Bright, Very Sneaking and it caught me by surprise. So in a panic i tried to cancel and contact them through the app. And It was SO FRUSTRATING. I wasnt able to to get a hold of someone. I have 5 diffent messages in my chat of me trying to get a hold of them. First message through the app with an automated message saying i need to give my number to text then anothe automated message askejngnfor my phone number so they can call me. The Anothe rautomated message saying if i need to make any changes to my account to i have to do it through email. To this day i HAVE NOT SPOKE TO ANYONE REGARDING MY ACCOUNT AND CANCELING. Horrible customer service. Then Only to come to find out MONTHS LATER i could have done it in my account the whole time. Just cancels today and will never do that again. Very shady of them. And their customer service is basically NONE!👎🏼 HORRIBLE APP Scammers..Version: 1.41.1

Not following the mob on this oneThis program is so convoluted; it simply makes no sense. I see reviewer‘s talking about how great their customer support is. What support? It doesn’t exist. I have been trying to get answers for a month and a half and their chat system simply says there’s no one available, and they will reply in 24 to 48 hours via email, but I’ve never gotten a single response. They take odd amounts out of my bank account and put in places like in my “stash” for seemingly no reason at all. I had $2.73 moved to my “stash” yet it was taken out of my bank account THREE times. And when I questioned it - no response. My “credit limit” was supposed to increase after 30 days. I watched the days tick down and then NOTHING! The days starting ticking down again from 30. It simply makes no sense. I started out asking for guidance and better instructions through the Chat app (which is the only way to get support) and I got no response. Now I am simply trying to cancel my account ($9.99 a month) and my only two options are to keep the account or to chat with support - you know where that got me. I’m afraid there are people out there trusting this app when they are really being taken a few dollars at a time and getting ripped off..Version: 1.36

Don’t put your bank info in!!The app is advertised like a line of credit that will be paid over a few months to build your credit and then a larger amount would be unlocked for you to use to consolidate/pay off credit card debt. I was supposed to be charged 6.99 per month but before I had even gotten a chance to use the app, I was charged $40+ that came directly from my account because they ask for bank info first. One would assume they want banking info first to get you set up and make sure that you have enough money deposited into your account each month or something to that extent. The money they took out was not available and it over-drafted my account. I emailed shoo-in regards to this and was told that I would receive a refund of my $40+ and that a request would be submitted to refund my overdraft fee. Of course it’s been a month now and I cannot get a response from anyone anymore. I also tried reaching out through the chat…NOTHING. Please don’t give these people your money..Version: 1.38

Coming for a real life mid aged adult, do not get this app!I was charged for a membership before even creating a pin to log in, I was just browsing the app to see what features were offered, and since they do not consolidate credit I deleted the app thinking I was just looked at what they offered and created an account I can use in the future, it’s $10 dollars a month charge, which they never specified. (And you have to download the app, no website version) They ask you about your bank information first, where you get you most of your money and deposits from, now in your eyes it’s to give you an expectation on how much they can loan you to consolidate your credit, which is false. They create a “plan” for you to set a “goal” to help you pay down your credit. The app also said it rounds up purchases so you can save money in your saving account, only cool feature. But why on earth would they not specify they’re going to charge you the membership fee? Now I’m calling customer service and emailing support and have no reached anyone, the number on the website just fails immediately after dialing, and I’ve been waiting for an email for a couple days now, I’m requesting a refund for the membership charged that I did not know I was agreeing to. They ask you for your information to see your deposits, is what they say it’s for, BUT ITS TO CHARGE YOU. Good luck everyone, download at your own risk. Still waiting on an email or call from you BRIGHT MONEY support..Version: 1.38

If I could give negative 10 stars, I would.I have asked repeatedly to have my fee refunded after I decided to go another route to track my bills. I got automated responses over and over again with no helpful information. I repeated their instructions to the t and was never refunded. When I finally got an actual human emailing me back they “recancelled” my account, which I had cancelled two weeks prior and told me I had to wait 3-5 business days for a refund that NEVER arrived. My account hit overdraft for not receiving my refund and I’ve since gotten worse finances because of this company. Don’t expect to get an human interaction and don’t ever expect a refund… Better yet! Avoid this app altogether! It’s worthless!!!!! “Ashley Olsen” didn’t even bother to email a response when I emailed the one human person about not receiving the refund I was promised. And yes I sent two very angry emails. And I will my word posting this review and telling everyone I know that this app’s functionality is awful and their customer service is the worst I’ve ever experienced!!!!! DO NOT GET THIS APP!!! Also reporting their information to the BBB!!! TERRIBLE!!!!!! Shame on you Bright app!.Version: 1.42

HORRIBLE customer service and predatory company!Please avoid at all costs for your own sanity and financial health! I’ve never had such a negative experience with a business as I have with Bright. I have reached out to this company 10+ times over the last several months, and have not been able to contact a live representative once. I have requested to cancel my account and delete all information, but have never received an actual response. The app does not function properly and continually disconnects and glitches. I have reached out by email, phone, chat, and have now sent multiple physical letters to the business address due to lack of response. The one response that I did receive from a representative was an apology for their delayed response and an indication that Bright would not negatively impact my credit score in any way. However, Bright continues to report "missed payments" that are affecting my Equifax credit report, despite the fact that my payment history reflects as 100% on the Bright app. I have now submitted an official dispute with Equifax against Bright for false information reporting. Do NOT use this company!.Version: 1.39

Terrible app, worse customer serviceI downloaded this app to try the credit builder, consolidation, and credit line features, and to help pay down my credit card debt faster, all the things they say they do, sounds good. I was denied for the credit line, fine, I need to build my credit. So on to the credit builder. It says the plan is active, but it’s been more than 2months and I still don’t even know if it’s supposed to draft these payments or if I’m supposed to submit them because I can’t find the button and I emailed their support team on 8/3 to clarify and still no response as of 9/22. So my credit isn’t building. On to credit card payments. First, it takes two payments from my checking, but seems to have only submitted one on my statement with the bank. Weird. Second, I click “pay with Bright” on another account a day before the bill is due because they offer late fee protection. More than a week goes by before the money is drafted from my account on 8/28. As of 9/22, that payment hasn’t posted to the card. Where is my money? I emailed to ask how the late fee guarantee works on 8/28, when the money finally left my checking account, but still no reply. This app is quick to make promises and take their fees from your account, but slow to deliver on those promises or get back to you. Do not recommend right now..Version: 1.41.1

Bad support.The app work when I first sign up. I closed the account because I wanted to add a new address and update other info. Keep in mind it’s only within 2 days. Came to find out when trying to reopen a new account they block my Capital One accounts from being link. I was curious so I tried to link my Boa and my wife Capital One and it work but when trying to link my own which work wonderfully on the closed account. My checking and 3 card showed up. Contacted their support which is almost no edited in the chat “2min” wait time. After 15-20 min auto reply will kick in and the state they will email you. Tried their “2min wait time” throughout the day for multiple days. Same reply after 15mins of silent. I called CO to make sure there weren’t a block. CO confirm there were no block to Plaid or anything and my account is clear. Bright support keep giving me the run around without straight answer to why I can’t link my CO on the new account. App seem promising but with that kind of support backing it I wouldn’t even waste a dollar a month..Version: 1.39

Good Until It Stops WorkingThis app (in theory) provides a great service with an easy way to keep track of your credit score, how much is in your bank account and uses rounding up to put money towards credit debt. However, it is nearly impossible to communicate with customer service if you have any issues. The credit builder account which is supposed to have you pay back $50 over time to improve your credit score never worked, even though I activated it within the app. You can contact customer service through a chat bot, but ultimately have to email someone and the responses I got were disjointed and did not address the issue I was having. My credit score stopped being updated and roundups keep being sent to a credit card that has already been paid off, and my emails to customer service have not been responded too. While this app purports to provided a service which is good in theory, the execution isn’t there and it’s ultimately more of a hassle than anything else. Extremely frustrating when you are trying to take steps to actively take control of your money..Version: 1.41.1


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