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
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
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Response from developer
Hi there, we understand you are waiting on your refund & would love to get this sorted out for you. Request you to contact me over grace.renee@brightmoney.co so that I can find out what's taking this long. I can assure you there must be a valid reason for this uncalled delay. Please allow me to look into it. Thanks.
BRIGHT-HELP DESK
This 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.
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Please don’t do it
Any good reviews of this app cannot be real. This app was supposed to take a minimal amount out of my account. I had $800 in my account and when I looked the next day I have $175. Bright took out six transactions, one for $133. Leaving me unable to pay for my daughter’s camp for the week. I tried to withdraw but it said it would take almost 10 days! Now it does not take 10 for a bank transfer to go through. I can’t not have my own money that I earned. I tried to chat them, it said my wait was an hour. Ok. Then it was 30 minutes. Then I got a message on the chat saying there was no one to chat with me and someone will reach out to me in 24 hours. They didn’t. I even emailed them. No response. This company is terrible and incredibly irresponsible. They will take your money. More than you authorized. I’m going to be filing complaints about this business to every organization I can, as well as post on all social media.
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Not following the mob on this one
This 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.
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Response from developer
Hi there. I would be happy to see what happened with your account. Please connect with me via email (Grace.renee@brightmoney.co). We’ll make it right. Thanks.
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!
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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.
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.
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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.
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Response from developer
Oh no! We’re sorry to hear that. We’d be happy to look into this and find a way to make it right. Please connect with us directly via our live email at (complaints@brightmoney.co). Thanks!
Amazing Customer Service
When I signed up for Bright I was immediately impressed with how straight forward everything is. From the layout to the detailed debt management plan. Everything was very clear and understandable, which is sometime rare with these things. What impressed me the most was the immediate human representative response I received. I had a question about my account so I opened the chat window to contact support. This was all done at 2am so I expected to go through a lengthy auto response but was shocked that within seconds I was connected to an actual person! My questions were answered quickly and it was nice to actually get a response that wasn’t automated or simply directing me to an FAQ page (especially in the middle of the night). Can’t recommend this app enough if you’re looking to manage your debt and know that they have your back!
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Great concept, just not right for me right now
I’m giving 4 stars based on the potential i feel this app has.
I saw Bright on the Pennyhoarder blog & thought I’d try it out. I really like that it sets up a plan to best pay down your credit card debt. Seeing it laid out in concise steps was convenient & easy & cool. I picked the “Smart Pace” option & just let it work. The automatic withdrawals were fine & never overdrafted, but with my current financial mess it just wasn’t the best fit for me. I didn’t try the credit builder option but that looked like an awesome benefit. The whole thing kind of gamified paying down debt which I really liked.
I was super happy with customer service when I was able to stay connected (my issue, not Brights). I will definitely consider trying Bright again once I have things back in order.
I saw Bright on the Pennyhoarder blog & thought I’d try it out. I really like that it sets up a plan to best pay down your credit card debt. Seeing it laid out in concise steps was convenient & easy & cool. I picked the “Smart Pace” option & just let it work. The automatic withdrawals were fine & never overdrafted, but with my current financial mess it just wasn’t the best fit for me. I didn’t try the credit builder option but that looked like an awesome benefit. The whole thing kind of gamified paying down debt which I really liked.
I was super happy with customer service when I was able to stay connected (my issue, not Brights). I will definitely consider trying Bright again once I have things back in order.
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Absolutely great product
I was sad that I had to discontinue using Bright but due to some personal circumstances and higher priorities, I had to delete my account. I WILL say, however, that for the few months I used this app, it was GREAT. I never had to worry about where my money was going to since it was taken out for the bills that the Bright prioritized for me. Everything was paid in time and I saved a bit of money on the side because of it.
I spoke with a rep (Samuel) to delete my account and he was SUPER friendly and accommodating. Never tried to hard sell me on keeping the app or anything - just verified some info and that was it.
I’ll be coming back to utilize Bright again that’s for sure!
I spoke with a rep (Samuel) to delete my account and he was SUPER friendly and accommodating. Never tried to hard sell me on keeping the app or anything - just verified some info and that was it.
I’ll be coming back to utilize Bright again that’s for sure!
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