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Business Profile

Financial Services

Bright Money
BBB accredited business seal
BBB Accredited BusinessB Rated by BBB

This business has 1 alert

Important information

  • Customer Complaint:
    BBB’s profile for Bright Money was created October 2021.  A review of complaints was completed in March 2025.  For questions related to membership charges, app usage and charges consumers are encouraged to review the link below.

    https://www.brightmoney.co/legal/terms-of-use

Complaints

Customer Complaints Summary

  • 508 total complaints in the last 3 years.
  • 205 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

Sort by

Complaint status

Complaint type

  • Initial Complaint

    Date:04/12/2025

    Type:Service or Repair Issues
    Status:
    Answered
    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 was wrongfully charged $97 and it caused me to overdraft ! This is truth unfair and I would like to be compensated back!

    Business Response

    Date: 04/16/2025

    Thank you for the opportunity to address Miking Richardsons complaint regarding membership fees And Overdraft charge.

    Bright Money has thoroughly reviewed Miking Richardsons concerns and confirms that refunds for the $97 membership fee and the $15 overdraft fee, totalling $112 has been successfully processed. The refunded amount was credited to Mikings checking account on Apr 15, 2025.

    We kindly request that Miking verify with their bank to ensure the refund has been received. 

    If Miking 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:04/08/2025

    Type:Product Issues
    Status:
    Answered
    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.
    They charged me 97 dollars and I never signed up for a membership. I tried contacting support and it was almost impossible to even cancel a membership that I never even signed up for. They caused me to be behind on bills because I do live check to check. ******** customer service and definitely fraud. I doubt I ever get a refund to my account for the ***** they debited with no consent. Please don't even click on their site because they will somehow take from you without you even knowing and when you try to resolve it, it becomes a nightmare!!!

    Business Response

    Date: 04/11/2025

    Thank you for the opportunity to address Joannas complaint regarding membership fees.

    Bright Money has thoroughly reviewed Joannas concerns and confirms that a refund of the $97 membership fee amount has been successfully processed. The refunded amount was credited to  Joannas checking account on April 10, 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:03/31/2025

    Type:Service or Repair Issues
    Status:
    Answered
    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 downloaded the Bright Money app to see what it was about and didnt really find it useful. Several days later they debited a ***** subscription fee from my account that I didnt authorize. It overdrew my account and now Ive been waiting for a refund they claim they would give me. I want my money back and I have no problem filling out more complaints through other avenues if they dont actually fix this problem. They even claimed they would refund the overdraft fee but still nothing

    Business Response

    Date: 04/02/2025

    Thank you for the opportunity to address ***** Moons complaint regarding membership fees And Overdraft charge.

    Bright Money has thoroughly reviewed ***** Moons concerns and confirms that refunds for the $39 membership fee and the $35 overdraft fee, totalling $74 has been successfully processed. The refunded amount was credited to ****** checking account on Apr 01, 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:03/29/2025

    Type:Service or Repair Issues
    Status:
    Answered
    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.
    This money was taken from my checking account without my consent or authorization.. I have called them several times and they sent me an email with link to send my state ID with a self picture plus my account and routing numbers so the money can be returned.They haf told me previously that it would be returned in 5 business days so after that time passed by it was not returned and I called them I was told that the money was returned to them so i needed to submit my ID and everything else they asked for. So as off now I am waiting for the funds to go back into my account and I haven't recieved a returned email to at least acknowledge what I sent them so I am praying that I will see the funds return back to my account this week coming up .And if its not returned then I would have to take action.

    Business Response

    Date: 04/02/2025

    Thank you for the opportunity to address ***** ******* complaint regarding membership fees.

    Bright Money has thoroughly reviewed Eddies concerns and confirms that a refund of the $97 membership fee has been successfully processed. The refunded amount was credited to  Eddies checking account on Apr 1, 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:03/27/2025

    Type:Billing Issues
    Status:
    Answered
    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 was charged even after cancelling my membership.

    Business Response

    Date: 03/31/2025

    Thank you for the opportunity to address ****** Amjads complaint regarding membership fees.

    Bright Money has thoroughly reviewed ******* concerns and confirms that a refund of the $97 membership fee amount has been successfully processed. The refunded amount was credited to Alishas Checking account on March 28, 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:03/27/2025

    Type:Product Issues
    Status:
    Answered
    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.
    My complaints against Bright Money are numerous. First off they advertise that you can get an 8k credit card if you complete the credit building program. I did that only to find out that they dont have a product like that anymore. Secondly I withdrew all money that was in my accounts and canceled. I got my savings back but not the credit builder. When I withdrew the credit builder it said money will be there March 22. And here it is March 27. No money. Bright Money has caused me a lot of grief. And when I complain to customer service its the same AI bot with the same answer. Its like even their AI bots have quit on this company.

    Business Response

    Date: 04/07/2025

    Thank you for the opportunity to address ****** ****** complaint regarding the delay in their Credit Builder refund.

    Bright Money has thoroughly reviewed Jeremys concerns. We confirm that the $137.50 Credit Builder refund was successfully processed and credited to their account on April 2, 2025.

    In addition, we have processed a membership fee refund totaling $186 (comprising $89 and $97). This amount will be credited to Jeremys checking account on April 7, 2025.

    We kindly request ****** verify with their bank that both refunds have been received. If they have any questions or need further assistance, please do not hesitate to reach out to 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:03/26/2025

    Type:Product Issues
    Status:
    Answered
    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.
    This is so beyond misleading, theyre toying with me about getting me the money they quickly debited out of my account, and then taking forever to refund me the 97 for their ridicolous membership. They also said it would take til April 4th to withdraw my funds. No money service should ever take that long.

    Business Response

    Date: 03/31/2025

    Thank you for the opportunity to address **** Bruces complaint regarding delay in Refund.

    Bright Money has thoroughly reviewed **** concerns and confirms that a refund of $147 has been successfully processed. The refunded amount was credited to ***** account on March 27, 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:03/26/2025

    Type:Product Issues
    Status:
    Answered
    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 trying to get a refund of $50 that I never signed up for and they have been giving the run around for almost a month now. They have given my 5 different dates and times that it will be credited back to my bank account and here we are March 26th, 2025 @ 7:18am and still no $50 in my bank account! Please help me

    Business Response

    Date: 04/02/2025

    Thank you for the opportunity to address **** ****** complaint regarding Bright Builder security deposit withdrawal.

    Bright Money has thoroughly reviewed **** ****** concerns and confirms that a refund of $50 Bright Builder security deposit has been successfully processed. The refunded amount was credited to ***** checking account on Apr 01, 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:03/21/2025

    Type:Billing Issues
    Status:
    Resolved
    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 to use try there service. During the process of signing up, nowhere was it undated there would be a charge of $97 annual fee. Suddenly I see the fee in my bank account. I cancelled the service as soon as I saw the fee hit my account. There has been no refund.

    Business Response

    Date: 03/26/2025

    Thank you for the opportunity to address ***** Fibigers complaint regarding membership fees.

    Bright Money has thoroughly reviewed Barrys concerns and confirms that a refund of the $97 membership fee amount has been successfully processed. The refunded amount was credited to Barrys account on March 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

    Customer Answer

    Date: 03/26/2025

    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. The refund has been confirmed in my account. It is sad, though, that I have to file a complaint to get this business to do the right thing. And even sadder that, after reviewing how many people have had similar experiences, that this business continues to operate this way.

    Sincerely,

    ***** *******

  • Initial Complaint

    Date:03/17/2025

    Type:Billing Issues
    Status:
    Answered
    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 lending has continuously taken small amounts, (.06, .07, .05) for several months. I have spoken with them to correct this issue including canceling a subscription i never subscribed to. They refuse to acknowledge my complaints or concerns about the situation. I feel as if I'm being stolen from and will be seeking legal actions if it is not corrected.

    Business Response

    Date: 03/10/2025

    ***** ******* BBB 22970813

    Dear Better Business Bureau:

    Bright Lending is in receipt of the above-referenced complaint filed with the BBB.  We take all comments, good or bad, very seriously.  The following is our response to the items noted.  

    Unfortunately, we do not have a record of a customer with this name, email address, physical address, or phone number. Furthermore, Bright Lending does not have any affiliation with the company Bright Money. Based on the information in the complaint, this appears to be an erroneous filing.

       Thank you for the opportunity to respond.


       Respectfully,

       Bright Lending

    Business Response

    Date: 03/21/2025

    Thank you for the opportunity to address *****s complaint regarding continued collections from *****s checking account for Debt manager(DM).

    Bright Money has thoroughly reviewed *****s concerns and confirms that the Debt manager(DM) has been paused, and no further collection attempts will occur in the future.

    Please note that the funds collected were not charges but were accumulated as *********************** totaling $2.78, and have already been refunded to the 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

Bright Money is BBB Accredited.

BBB accredited business seal

This business has committed to upholding the BBB Standards for Trust.

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