Paid off my cards fast
This app has been amazing at helping me pay off my credit cards. I’m the type to see money in my account and find ways to spend it on things I can’t even remember I ordered until they arrive at the door. Bright started to take the money out of my account (you set the amount you want to always be left in your account so no worries about non sufficient funds when other items come out) and I didn’t even realize it was gone. I still spent frivolously the remainder I had left not realizing bright had taken quite a nice chunk. In 9 months I paid off 3 credit cards. All with balances over 7k and one with a 23k balance. If you want an app that actually does something for you (and is free), I’m telling you this is it. You won’t notice it’s there and if you find you needed the money it took out, simply go into the app within a week of it taking the funds and deposit the money back into your account. Oh and I didn’t even mention how it helped my credit having this app make multiple payments for me. Ok I’ll stop here before I make a book about this app lol but seriously it’ll change your finances for the better.
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Terrible customer service
At 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.
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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 grace.renee@brightmoney.co from your registered email address. We'll make sure to fix this for you. Thanks.
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!
I have now submitted an official dispute with Equifax against Bright for false information reporting. Do NOT use this company!
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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 grace.renee@brightmoney.co from your registered email address. We'll make sure to fix this for you. Thanks.
Horrible app
App 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.
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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.
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.
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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 grace.renee@brightmoney.co from your registered email address. We'll make sure to fix this for you. Thanks.
Santander Bank customers read this!
I think this app serves a very nice purpose for me. I can link all my bank accounts and credit cards and view real time balances while also creating and helping me maintain course on my current financial goals. However there’s an issue when trying to link your Santander account (only account I had issues with) THERE IS A BYPASS for this issue. When searching and clicking on Santander US it says bank unsupported. Proceed to click on find on plaid. It will connect for you and proceed to provide data to your bright money account. You’re welcome 😌
Bright, please fix this issue. You guys may have accidentally used an incorrect link! The link I saw did not seem like the one I use to connect.
Bright, please fix this issue. You guys may have accidentally used an incorrect link! The link I saw did not seem like the one I use to connect.
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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.
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Unresponsive & unreliable
I 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!
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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.
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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.
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Response from developer
Hi Delilah, we sincerely apologize for this experience you've had. We have already sent the refund to your checking account as requested and emailed the confirmation on the same to your registered email address. Please let us know with your response if there is anything else we can do to get this changed for you. Thanks.
