Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/30/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On Saturday 26 of April, isarted looking into debt consolidation apps. Bright Money seemed simple so I tried it. It required to log in to my bank account to monitor the way I spent my money. So I did, plus it asked for personal information to monitor my credit. Not once did they ask me for approval on the annual membership. They just charged me. I called them and after waiting 30 min and being the next caller, they kept hanging up. That happen twice. Tried chatting with them, same problem. Finally I got a call back and told me I needed to give a bank account statement, my routing number, account number from my bank in order to process the refund. Now I'm getting calls from various numbers from people with an Indian accent claiming to be Spectrum, capital one and, gm financial... ************ has my personal information, and charged for services I never requested.

  

  Business Response

  Date: 05/06/2025

  Thank you for the opportunity to address **** Cerons complaint regarding membership fees.
  
  Bright Money has thoroughly reviewed **** Cerons concerns and confirms that a refund of the $97 membership fee amount has been successfully processed. The refunded amount was credited to **** Cerons checking account on May 05, 2025.
  
  We kindly request that **** verify with their bank to ensure the refund has been received. 
  
  If **** has any further questions or requires additional assistance, please feel free to contact us at **********************************************************.
  
  We remain committed to providing excellent service and ensuring a positive experience with Bright Money.
  
  Best regards,
  The Bright Team

  Customer Answer

  Date: 05/06/2025

   
  Complaint: 23266787
  
  I am rejecting this response because:
  Of their business practices.  They never informed me on how I was charged for that membership fee in the first place. 

  Companies that charge without being unauthorized should be exposed and I should be able to warn other people of their unprofessional practices.  

  Regarding the refund, I requested my bank to refund me the money and to investigate since with them it was going nowhere. They keep putting their number that takes me to someone overseas, how about give me the number for someone in the ************* headquarters.  

  I will continue to voice my concerns with this company until I know they stopped their ****** practices.  

  Sincerely,
  
  **** *****

  

  Business Response

  Date: 05/07/2025

  Thank you for the opportunity to respond to **** Cerons complaint regarding membership charge authorization.

  Background and Enrollment Details
  **** enrolled in Bright Moneys Bright Plan program on April 26, 2025. During the enrollment process, the customer provided e-sign consent to the membership terms and conditions. The customer was charged in accordance with the membership terms of use, which they consented to during enrollment.

  Membership Fee History
  April 28, 2025: $97
  
  Resolution
  The user reached out to ********************** customer service agents multiple times regarding a refund for the membership fee. The agents provided the necessary steps to cancel the membership and also shared the refund flow link. The refund was initiated by the user using the provided link, and the $97 has already been refunded to the user's checking account on May 5, 2025.

  Contact Information
  If **** has any further questions or needs additional assistance, he may contact us at *************** or *********************************** We remain committed to resolving this matter promptly and ensuring a positive experience going forward.

  Best regards,
  The Bright Team

  Customer Answer

  Date: 05/07/2025

   
  Complaint: 23266787

  This will be my last message with this company. They don't email me personally they want me to change my review. Which I won't.

  
  I am rejecting this response because:
  If I had enrolled on some sort of membership, then like all companies, I would have received an email informing me about being a new member, which would include some type of invoice. 

  Surprise surprise, no email claiming my new membership was sent. So stop trying to justify your horrible behavior as a company. I filed a claim with my bank and they are resolving the issue. 

  Plus, if this would have been a one-time incident then you wouldn't have horrible reviews online from people that have passed through the same thing as me. 

  So I will not change my review, in my opinion you deserve ZERO stars. Reading the reviews left on this site, I could just image how many workers from your company had to be forced to make positive reviews. 

  Sincerely,
  
  **** *****

• Initial Complaint

  Date:04/25/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  That company took money out of my bank account for a membership that I did not sign up for.

  

  Business Response

  Date: 04/30/2025

  Thank you for the opportunity to address ****** Hinshaws complaint regarding membership fees.
  
  Bright Money has thoroughly reviewed Kristys concerns and confirms that a refund of the $97 membership fee amount has been successfully processed. The refunded amount was credited to Kristys checking account on April 29, 2025.
  
  We kindly request that ****** verify with their bank to ensure the refund has been received. 
  
  If ****** has any further questions or requires additional assistance, please feel free to contact us at **********************************************************.
  
  We remain committed to providing excellent service and ensuring a positive experience with Bright Money.
  
  Best regards,
  The Bright Team

• Initial Complaint

  Date:04/24/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Bright money charged my account for $97 and I had no idea what the charge was for. I immediately filed for a refund on the app and there was absolutely no confirmation showing that it was done. After disputing the charge with my bank I called them and was told that the money was refunded but my bank blocked it. Which was a lie. Then I was told that I couldnt receive any confirmation numbers of any kind because they werent allowed to give me the information. I asked to speak to a supervisor and I was told they werent available and theyd call me back in an hour and a call was never returned. The money STILL hasnt been returned to me in spite of what was told to me.

  

  Business Response

  Date: 04/28/2025

  Thank you for the opportunity to address ******* Ziquis complaint regarding the $97 membership fee transaction.
  
  Bright Money has thoroughly reviewed ******** concerns and confirms that the $97 transaction was initiated by Bright but remained unsuccessful. As a result, the funds have already been reversed to Kenishas checking account.
  
  We kindly request that ******* verify with their bank to ensure the reversal has been processed.
  
  Additionally, as per Kenishas request, their Bright Money account has been deleted, and there will be no further withdrawals from Bright Money in the future from their checking account.
  
  If ******* has any further questions or requires additional assistance, please feel free to contact us at **********************************************************.
  
  We remain committed to providing excellent service and ensuring a positive experience with Bright Money.
  
  Best regards,
  The Bright Team

• Initial Complaint

  Date:04/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  April 23 Rd 2025 they took out 39.00$ out my account and all I did was download the app and once I saw the price I decided not to use it and didn't continue to use the app. They are now taking membership charges out my bank

  

  Business Response

  Date: 04/30/2025

  Thank you for the opportunity to address ******* ***** complaint regarding membership fees.
  
  Bright Money has thoroughly reviewed ******** concerns and confirms that a refund of the $39 membership fee amount has been successfully processed. The refunded amount was credited to Krystins checking account on April 29, 2025.
  
  We kindly request that ******* verify with their bank to ensure the refund has been received. 
  
  If ******* has any further questions or requires additional assistance, please feel free to contact us at **********************************************************.
  
  We remain committed to providing excellent service and ensuring a positive experience with Bright Money.
  
  Best regards,
  The Bright Team

• Initial Complaint

  Date:04/23/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 04/22/25 this business, Bright Money made an unauthorized withdrawal of $97 from my bank account, causing me to be in the negative and paying overdrafts fees. I had never so much as heard of this place till last night when I looked them up after seeing they stole my money. I've sent several emails and called multiple times today and each time the call is completely disconnected before anyone will pick up. I would never pay $97 for a membership especially for something I have no use for. I barely make it and then these fraudsters do this. If my money isn't returned to my bank, I will seek legal action, just as you would do if you were robbed by someone. This feels no different.

  

  Business Response

  Date: 04/28/2025

  Thank you for the opportunity to address ****** Loyds complaint regarding membership fees.
  
  Bright Money has thoroughly reviewed Johnnys concerns and confirms that a refund of the $97 membership fee amount has been successfully processed. The refunded amount was credited to  Johnnys checking account on April 25, 2025.
  
  We kindly request that ****** verify with their bank to ensure the refund has been received. 
  
  If ****** has any further questions or requires additional assistance, please feel free to contact us at **********************************************************.
  
  We remain committed to providing excellent service and ensuring a positive experience with Bright Money.
  
  Best regards,
  The Bright Team

• Initial Complaint

  Date:04/22/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I signed up for Bright builder by accident. I reached out to the customer service team and my initial subscription was refunded. However, there was a $50 charge to Bright builder that was being processed that I was unaware of. I reached out to the customer service team and they have been saying the same thing, which is it will take 3 to 5 business days. I am completely fed up with this company. Not like it was advertised and the customer service is terrible.

  

  Business Response

  Date: 04/24/2025

  Thank you for the opportunity to address ***** ****** complaint regarding Bright Builder security deposit refund.
  
  Bright Money has thoroughly reviewed Keiths concerns and confirms that a refund of the $50 Bright Builder security deposit has been successfully processed. The refunded amount was credited to Keiths checking account on April 24, 2025.
  
  We kindly request that ***** verify with their bank to ensure the refund has been received. 
  
  If ***** has any further questions or requires additional assistance, please feel free to contact us at **********************************************************.
  
  We remain committed to providing excellent service and ensuring a positive experience with Bright Money.
  
  Best regards,
  The Bright Team

• Initial Complaint

  Date:04/22/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been charged $39/3-months since November 2023 without my consent or authorization. I never signed up for a membership. Besides that recurring fee, multiple other credits were made from my account in smaller increments. I notice this going through my bank statements for the tax year. ** TOTAL CHARGES: $254 ** REFUND PLEASE **Steps I then took:1. Log in to app that wants me to reconnect my bank details JUST TO PROCEED (this was my mistake the first time, and since giving access was taken advantage of, I was not going to do that.2. ****** existing complaints and lawsuits 3. Found the lawsuit for *** v ****** (parent company) 4. Called the *** to see if I was a part of the claim. Since I was being charged by BrigHt, not BrigIt, this wasn't under their jurisdiction.5. Called Bright 3 times, to be connected to customer service, and then have the calls randomly drop after being put on hold. I have attached a screenshot of all the charges made to my account, totaling to $254. Since people seem to get a response here instead of their customer service, I will hope that ********************** is responsive to this complaint. My second-to-last step would be getting it reversed with the bank, and the last step would be to pursue legal action. I hope I don't have to reach that point, but it can't be a coincidence that their parent company just lost a lawsuit for $17 million.** TOTAL CHARGES: $254 ** REFUND PLEASE **

  

  Business Response

  Date: 04/29/2025

  Thank you for the opportunity to respond to ***** ******* complaint regarding membership charges and other debits from their checking account.

  Background and ***************************start="263" data-end="266"> ***** enrolled in Bright Moneys Bright Builder program on November 7, 2023. After enrolling, they signed a credit agreement with Bright Money and provided e-sign consent to the membership terms and conditions.

  Membership-Fee ****************start="507" data-end="510"> Nov 7, 2023: $36
  Feb 6, 2024: $36
  May 6, 2024: $39
  Aug 6, 2024: $39
  Nov 6, 2024: $39
  These charges were assessed in accordance with the membership terms of use that the customer consented to during enrollment, and as per our refund policy, these charges are non-refundable 30 days after they are billed.

  Bright ******************************************start="873" data-end="876"> Nov 7, 2023: User initiated the first $10 deposit via the app
  Dec 6, 2023 Jul 3, 2024: Four scheduled $10 deposits collected
  Aug 15, 2024 & Sep 23, 2024: $10 and $5 applied as repayments

  Resolution
  Our investigation confirms that ***** used the Bright *************** beginning on November 7, 2023. ***** initiated the closure of their Bright Builder account on November 26, 2024, via the Bright app, and later unsubscribed from the service through the app on February 6, 2025. The membership fees were charged in accordance with the e-signed membership terms and conditions. When the Bright Builder account was closed, the $43 security deposit was refunded and saved in their Bright Savings account. On April 24, 2025, the same $43 was transferred to their linked checking account.

  Contact ********************start="1704" data-end="1707"> If ***** has any further questions or needs additional assistance, they may contact us at *************** or *********************************** We remain committed to resolving this matter promptly and ensuring a positive experience going forward.

  Best regards,
  The Bright Team

• Initial Complaint

  Date:04/22/2025

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recieved this morning a notification stating I had a $97 withdrawal on my Capital One account. I immediately logged into my bank account and it says $97. I did not authorize this charge. I revoked this companies access to my account back in 2024 and deleted the app. I have proof of this in my email that they told me they no longer have access to my account. But today they took a ACH withdrawal of $97 dollars and they dont have a phone number so I emailed and submitted a ticket and they responded stating it will take several hours to get a response on the matter. I have not had the app in months and they were also had revoked status for my bank account which I have proof in my email from year. I need this money refunded ASAP. This is ridiculous. This is a scam of a company. How can they not just take it peoples money without consent and to mention I do not have the app or anything Im just baffled.

  

  Business Response

  Date: 04/24/2025

  Thank you for the opportunity to address Jessicas complaint regarding the $97 membership fee transaction.
  
  Bright Money has thoroughly reviewed Jessicas concerns and confirms that the $97 transaction was initiated by Bright but remained unsuccessful. As a result, the funds have already been reversed to Jessicas checking account.
  
  We kindly request that ******* verify with their bank to ensure the reversal has been processed.
  
  Additionally, as per Jessicas request, their Bright Money account has been deleted, and there will be no further withdrawals from Bright Money in the future from their checking account.
  
  If ******* has any further questions or requires additional assistance, please feel free to contact us at **********************************************************.
  
  We remain committed to providing excellent service and ensuring a positive experience with Bright Money.
  
  Best regards,
  The Bright Team

  Customer Answer

  Date: 04/24/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* ********

• Initial Complaint

  Date:04/22/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am being charged for nonsensical things that are not actually happening. For example, I have been charged twice for a rent reporting fee. I do not pay rent. I have never paid rent and I never told Bright Money that I paid rent. They claim they are tracking my rent payments to help my credit. Again, I do not pay rent nor have I ever. Also, I was charged a $97 subscription fee. This was not made clear when I initially signed up for the app. If it were made clear to me, I wouldnt have kept the app. All in all, the App is a scam parading as a credit building device. I have asked for an itemized list of all services rendered to me, they cannot produce one because no services have been rendered.

  

  Business Response

  Date: 04/28/2025

  Thank you for the opportunity to address Ashbi Alfords complaint regarding membership fees and the rent-reporting fee refund.
  
  Bright Money has thoroughly reviewed Ashbis concerns and confirms that they were charged a $97 yearly membership fee and $35 for rent reporting, totaling $132. I would like to inform that the $97 membership fee has already been refunded and credited to their checking account on April 22, 2025. Additionally, the refund for the $35 rent-reporting fee has been successfully processed, and the amount was credited to their account on April 25, 2025.
  
  We kindly request that Ashbi verify with their bank to ensure the refunds have been received.
  
  If Ashbi has any further questions or requires additional assistance, please feel free to contact us at **********************************************************.
  
  We remain committed to providing excellent service and ensuring a positive experience with Bright Money.
  
  Best regards,
  The Bright Team
  
  

• Initial Complaint

  Date:04/21/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally report that I am a victim of identity theft. Unauthorized accounts have been fraudulently opened in my name, which I did not authorize. Below are the details of the accounts in question:Creditor Name: BRIGHT/CBW Opened Date: 04/01/2023 Account Number: ********************I respectfully request the immediate closure of this account and the removal of any associated negative information from my credit report. I am also requesting written confirmation of the account closure and any supporting documentation related to this incident of ******** assist with your investigation, I have attached a copy of my Identity Theft Complaint.Thank you for your prompt attention to this serious matter.

  

  Business Response

  Date: 04/27/2025

  Thank you for allowing us the opportunity to address ******** ******* concerns regarding Identity theft and Delinquency Removal.
  
  Upon review, we confirm that ******** enrolled in the Bright Money platform and signed up for the Bright Builder program on January 13, 2023, agreeing to the membership terms through E-sign authorization, and the Bright Builder program was closed on July 25, 2023.
  
  We understand Khadijah's concern regarding the reported delinquency. In line with Bright Moneys credit dispute policy, we have accepted Khadijah's dispute. A request for late payment and delinquency removal has been submitted to the credit bureaus, and the necessary corrections should reflect in the credit report by the next reporting cycle.
  
  Should ******** require further assistance, reach out to our support team at *************** or **********************************************************.
  
  Best regards,
  Bright Money Team