Good app, Great support.
Ive really enjoyed the app so far. One of the standout features is the expense tracking tool, which allows users to categorize their spending. This feature helps in identifying where money is going and highlights areas where one might consider cutting back. The ability to set financial goals is also a positive aspect, as it provides motivation and a clear path toward achieving savings targets. In terms of budgeting, the app offers customizable budget plans that can be tailored to individual needs. Users can set limits for different categories, and the app sends notifications when they’re approaching their budget limits, which can be a helpful reminder to stay on track. However, there are a few drawbacks to consider. Some users might find that the app's syncing with bank accounts can be hit or miss, leading to occasional discrepancies in the displayed balance. Additionally, while the app offers a variety of features, some advanced functionalities require a subscription, which may not be ideal for everyone. Overall, this money management app is a solid option for those looking to take control of their finances.
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“Great Concept, But Needs Improvement for a Smoother User Experience”
I’m giving this app three stars because, while it’s a great concept, it’s confusing and somewhat misleading when it comes to accessing funds and qualifying for loans. Even after meeting the requirements and making the necessary payments, I encountered issues when trying to withdraw from the builder account. The app provides an option to choose where funds should be sent, but every time I attempted a withdrawal, I received an error message.
On October 23rd, I chatted with at least two agents, but no one mentioned that the account needed to be closed in order to receive the funds, which led to additional delays. The chat feature was frustrating as well, as it timed out frequently, cutting off responses and redirecting me to a new agent each time. I do appreciate, however, that the previous chat history was made available for the next agent, allowing them to review the conversation seamlessly.
Overall, the app has a great foundation, but improvements are needed, especially in the app’s functionality, chat experience, and the clarity of instructions on how each product is intended to work. The agents I spoke with were pleasant and provided good customer service, so I may consider giving the app another try once these updates are made.
On October 23rd, I chatted with at least two agents, but no one mentioned that the account needed to be closed in order to receive the funds, which led to additional delays. The chat feature was frustrating as well, as it timed out frequently, cutting off responses and redirecting me to a new agent each time. I do appreciate, however, that the previous chat history was made available for the next agent, allowing them to review the conversation seamlessly.
Overall, the app has a great foundation, but improvements are needed, especially in the app’s functionality, chat experience, and the clarity of instructions on how each product is intended to work. The agents I spoke with were pleasant and provided good customer service, so I may consider giving the app another try once these updates are made.
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Response from developer
We want to solve this for you. Please email us at appreview@brightmoney.co from your registered email address, including your review handle name, so we can assist you further. You can also reach us at +1 877-274-6494 during our operational hours: Monday to Friday, 9:30 AM to 6:30 PM (CST).
Fraudulent company will take money from your bank without authorization
these people never told me, or asked for my permission in withdrawing funds from my personal bank account. I wanted this app to help me pay off my credit cards. But in the time I started seeing a lot of WITHDRAWALS coming out of my personal account. Except for the fact that I never agreed to that. They will simply start taking your money and putting it in the app without your permission or knowledge. I got very upset seeing money taken out, a few dollars at a time, multiple times a day with this app. I no longer want anything to do with this app. Do not mess with people's money and start taking it unauthorized. There's already little trust in corporations having our personal information, and I was really mad to see you guys messing with my money. No thank you. It's also impossible to delete your account info and even the whole profile itself. I have not found a way to do so and am trying to talk to customer service about this. Be informed. There is no customer service it’s just an ai who talks to you over and over again with the same messages back and forth. It is a fraudulent company and don’t trust it at all.
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Response from developer
Let’s Resolve This! We're eager to dive into your account and sort out any issues. Can you drop us an email at grace.renee@brightmoney.co from your registered email address with your review handle name to help you? We're confident we can make things right for you quickly!
Money Angel 😇
Bright Money was complexly thought out to cover all aspects of life where money is on the forefront. It’s the baby steps, helping hand you greatly needed back when you turned 18 and thought you were adult enough to use a credit card. Turns out everything you thought wasn’t true, your parents were always right and Bright Money should be your FIRST step when blindly walking into the world of credit/saving. Thankful, Bright Money can also help with the aftermath of those poor credit decisions and help you rebuilt TEACHING you what you thought you knew along the way. Bright Money literally takes the thought out of saving because it does it all for me! In a world so fast and hectic, I am absolutely thankful many times over for this app/people behind the app. My life has already began looking forward by gaining sanity knowing I’ll have that money cushion, debt has went down and score already gone up! Do yourself a favor, download it and let it change your life!!
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Customer service
Horrible customer service via the chat. They don’t help try to resolve the issue. They just give instructions on how to cancel the membership. Then during that process it informed me that canceling could effect my credit score a lot. So reaching back out to the chat they again suggested the membership cancellation. No upsell, no incentive. Not even a bit of remorse. I’m pretty sure the app developers wouldn’t recommend this. I’ve worked in sales for a long time and this is absolutely horrible. Especially with all my personal identification info Bright Money has on record. I’m feeling bamboozled. Scammed.
downloaded this app over a year ago. You guys charged my card $80. I wouldn't mind staying with the membership but when I try to change my phone number it says it already exists. Idk if I used my current number to try to start an account. I don't know why it has another chime credit card number. It won't let me adjust it or anything. I can't find but a couple of emails from bright and they are promotional emails. Is this some type of identity theft? At this point I want a refund and I don't want to be a part of this platform if my identification is at risk.
downloaded this app over a year ago. You guys charged my card $80. I wouldn't mind staying with the membership but when I try to change my phone number it says it already exists. Idk if I used my current number to try to start an account. I don't know why it has another chime credit card number. It won't let me adjust it or anything. I can't find but a couple of emails from bright and they are promotional emails. Is this some type of identity theft? At this point I want a refund and I don't want to be a part of this platform if my identification is at risk.
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Response from developer
Let’s Resolve This! We're eager to dive into your account and sort out any issues . Can you drop us an email at grace.renee@brightmoney.co from your registered address to help you? We're confident we can make things right for you quickly
Informative and functional app BUT….
Bright has been great in terms of helping me keep track of my credit card balances all in one place. I do think it might have helped boost my credit a few points here and there but nothing super substantial yet, and that’s that I’ve been doing their credit builder program for at least 8mo now. The thing that is a bit frustrating however is that they lure you in with the offer of once you’ve completed x amount of payments and qualified, you will be given a line of credit essentially to transfer your card balances over so you’re not paying all that interest. Well, I completed the 5 required months forever ago however I haven’t even been given an estimate as to when I might qualify to transfer my balances. There’s a bar which tells you the percentage of how close you are but there is no sure way to know what variables it’s measuring to qualify you. My percentage stayed the same for like 2mo then all of a sudden jumped up less than 10%. So if you already have fairly good credit and are trying to make it better this will probably be most helpful to you. But if you have lower credit or higher card balances it may not work for you as quick as you’d hope.
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Response from developer
Lets resolve this. This is definitely not what we have planned for you. An email has been sent to your registered address. Kindly respond, and we'll expedite the resolution. Thanks for your understanding!
Probably a good app, but they left a bad impression with me
I’m sure this app is probably good at doing whatever it does, I see many people leaving good reviews. But they messed up with me when I was gett started. I couldn’t put my credit card info since I had misplaced it a while ago and I’ve been waiting for a new one in the mail. Meanwhile, these people never told me, or asked for my permission in withdrawing funds from my personal bank account. I wanted this app to help me pay off my credit cards. But in the time I was waiting for my card in the mail, I started seeing a SEA OF WITHDRAWALS coming out of my personal account. This app started a “smart savings” which is pretty nice, except for the fact that I necer agreed to that. They will simply start taking your money and putting it in the app without your permission or knowledge. I got very upset seeing money taken out, a few dollars at a time, multiple times a day with this app. I no longer want anything to do with this app. Do not mess with people’s money and start taking it unauthorized. There’s already little trust in corporations having our personal information, and I was really pussed off to see you guys meaaing with my money. No thank you. It’s also impossible to delete your account info and even the whole profile itself. I have not found a way to do so and am trying to talk to customer service about this. Be informed before downloading this app.
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Response from developer
Hi there, we're really sorry about the troubles you've had with the app so far. This is definitely not the experience we wanted you to have. As we're unable to locate your account, please connect with us over our escalation email grace.renee@brightmoney.co with your review handle name from your registered email address. We'll make sure to look into this for you. Thanks.
Won’t give a refund but playing mind games
Three months ago I spotted a charge on my bank statement for almost $100 and looked where it came from. Bright money was the culprit! So I downloaded the app, made an account and reached out to thwm. This ensued a three month long fight to get my money refunded. I shared screen shots of the charge and my bank statements and I have been run around for three months now with still no refund in sight! Every time I manage to talk to someone, they in the end agree that I could be refunded but then they don’t follow through, and the next person says something else!! They initiate a refund just for it to drop off the next day or just not actually go through. I get emails with blank pages, when I get any emails at all; it’s always something different that I am told. I have jumped through so many hoops and tried to be as patient and kind as possible but I have never had such a poor experience
With an app that I had never even downloaded until after the charge appeared! Don’t do it, the customer service is horrible and they will charge you and not even apologize if you don’t want the service they provide! I’mSo done with right money! I just want my money back!!
With an app that I had never even downloaded until after the charge appeared! Don’t do it, the customer service is horrible and they will charge you and not even apologize if you don’t want the service they provide! I’mSo done with right money! I just want my money back!!
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Response from developer
Hi there, we're really sorry about the troubles you've had with the app so far. This is definitely not the experience we wanted you to have. As we're unable to locate your account, please connect with us over our escalation email grace.renee@brightmoney.co with your review handle name from your registered email address. We'll make sure to look into this for you. Thanks.
Good Until It Stops Working
This 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.
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Response from developer
Hi there! Thanks for the review. As we're unable to locate your account, please connect with us over our escalation email grace.renee@brightmoney.co from your registered email address for any assistance.
Terrible app, worse customer service
I 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.
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.
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Response from developer
Hi there, this is definitely not the experience we wanted you to have. As we're unable to locate your account, please connect with us over our escalation email grace.renee@brightmoney.co with your review handle name from your registered email address. We'll look into this for you. Thanks.
