Complaints

This profile includes complaints for Brigit's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Brigit

  838 Avenue of the Americas Fl 6 New York, NY 10001-4194

• 

  Brigit

  36 W 20th St # 411 New York, NY 10011-4212

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:02/03/2025

  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.

  5.99 plus overdraft my account of ***** redund my canceled subscription and refund the overdraft

  Business Response

  Date: 02/18/2025

  Brigit is in receipt of BBB complaint ID ******** filed by ******* ****** regarding their subscription fee. 
  
  Please be advised that Brigit takes consumer complaints seriously and all complaints are thoroughly investigated. Sometimes Brigit may ask consumers for additional information or evidence to support their claims. 
  
  All customers can cancel their subscriptions at any time in the Brigit app, through the web, or by reaching out to our **************** team, who is available 7 days a week. Brigit provides information on how to cancel at the time the customer enrolls in a ******************** Plan, at all times in the customer's application, and on the ******************** website.
  
  Unlike most subscription companies (e.g., *******, etc.), Brigit does not charge a consumer upfront or at the beginning of the subscription period. Instead, Brigit charges the customer at the end of the billing periodaligned with the customer's last paycheck of the month. When a customer cancels their subscription, the customer is charged for the current (and final) billing period. 
  
  Here, this customer signed up for a ******************** subscription on January 4th 2025 and canceled on January 26th 2025. This customer's one and only subscription fee was charged on January 24th 2025. With this customer's subscription now canceled, they will not be charged going forward. 
  
  Because NSF fee(s) were charged by the customer's bank, ******************** is not able to provide a credit for their fee. To try and help our customers avoid bank fees, their subscription due date is often tied to their listed income source's paydays. This due date is displayed at the time the customer signs up for a subscription or takes out an Instant Cash advance, at all times in the Brigit App, and in notifications sent to the customer prior to the transaction date. Our customer's can view their subscription fee due date in the app under Account Settings -> My subscription.
  
  Brigit trusts that the information provided is sufficient to close this complaint. If this customer has additional questions or concerns they are invited to contact Brigit directly at ****************************************************************************;

• Initial Complaint

  Date:01/31/2025

  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.

  They've been taking money out of my bank account every single month and then I'm paying them $9 a month so I can do cash advances from them and I'm not even eligible for cash advance so I end my subscription because they're still taking money out as of yesterday they took out $9 so I canceled my subscription and then I go to delete my account and they say that they'll delete it as soon as they get their final payment like what am I paying you for what are you taking money for me for if I'm not even assigned a subscription I'm not using that subscription for the whole entire month I have to pay you another $10 to delete the account I don't use that's ******** All they want is money from people like you're not giving me money for me giving you money I'm giving you $9 a month for the past however many years and you've given me nothing so like what is wrong with these people

  Business Response

  Date: 02/18/2025

  Response: Brigit is in receipt of BBB complaint ID ******** filed by ***** ****** regarding their subscription fee.
  
  Please be advised that Brigit takes consumer complaints seriously and all complaints are thoroughly investigated. Sometimes Brigit may ask consumers for additional information or evidence to support their claims.
  
  This customer signed up for a ******************** subscription on December 7th 2020 and canceled on January 30th 2025 with a final fee due on February 26th 2025. 
  
  Please be advised that all customers can cancel their subscriptions at any time in the Brigit app, through the web, or by reaching out to our **************** team, who is available 7 days a week. Brigit provides information on how to cancel at the time the customer enrolls in a ******************** Plan, at all times in the customer's application, and on the ******************** website.
  
  Unlike most subscription companies (e.g., *******, etc.), Brigit does not charge a consumer upfront or at the beginning of the subscription period. Instead, Brigit charges the customer at the end of the billing periodaligned with the customer's last paycheck of the month. When a customer cancels their subscription, the customer is charged for the current (and final) billing period. That charge usually falls on or after the cancellation date, on the date their subscription was originally due. 
  
  Here, the customer cancelled their membership after their January fee had been paid meaning they started another billing period by the time they cancelled. 
  
  As a courtesy, we waived the final fee due on the account on February *********. With this customer's subscription now canceled, they will not be charged going forward. Their account has also been fully deleted from our system. 
  
  Brigit trusts that the information provided is sufficient to close this complaint. If this customer has additional questions or concerns they are invited to contact Brigit directly at **********************************************************************.

• Initial Complaint

  Date:01/31/2025

  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.

  Brigit caused overdraft into my account. Which in turn caused overdraft fees they are trying to say it isnt their problem that the bank charged the fees. Well they are the reason I got the fees in the first place either it gets refunded or I sue

  Business Response

  Date: 02/18/2025

  Brigit is in receipt of BBB complaint ID ******** filed by **** **** regarding an insufficient funds fee charged by their bank.
  
  Please be advised that Brigit takes consumer complaints seriously and all complaints are thoroughly investigated. Sometimes Brigit may ask consumers for additional information or evidence to support their claims.
  
  This customer requested an Instant Cash advance on January 14th 2025. The due date assigned for the $50 Instant Cash repayment was set as January 28th 2025, which aligns with the customer's verified income source. This due date was provided to the customer at the time they requested the Instant Cash advance. The repayment date (and option to change it) is also displayed within their Brigit App as a reminder. Finally, the customer receives notifications alerting them about an upcoming repayment prior to the transaction date. 
  
  Likewise, this customer had a monthly Plus plan subscription fee of $8.99 due the same day, January 28th 2025. Again, this due date is displayed at the time the customer signs up, at all times in the ******************** App, and in notifications sent to the customer prior to the transaction date. 
  
  It would appear that this customer did not have the proper funds in their linked bank account upon the time of our repayments. Due to this, their bank charged them an *** fee. To try and help our customers avoid bank fees, we have our customers confirm their due date before they can request their advances. The customer must type in their due date to confirm they are aware of when we will begin our repayment. We also send a notification 48 hours before the due date to remind our customers that they have a payment upcoming. We do this so our customers have enough time to make payment date changes through the extension feature in the app or contact our ************* team to do a manual adjustment. Finally, customers can change their repayment date any time up to 3 days before the transaction date in order to avoid any overdrafts in their external account. 
   
  NSF fees are charged by the customer's bank and are a large part of how banks make money. Because the fee(s) were charged by this customer's bank, we're not able to provide a credit for their fee. Going forward, we encourage this customer to contact our ************* team several business days before their due date so that we can make the adjustment necessary to avoid any NSF fees being charged by the linked bank.  
  
  Brigit trusts that the information provided is sufficient to close this complaint. If this customer has additional questions or concerns they are invited to contact Brigit directly at **********************************************************************.
  

• Initial Complaint

  Date:12/09/2024

  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 cancelled my subscription with Brigit back in October 2024. I was not charged for November 2024 and even received a settlement from their most recent lawsuit. On 12/04/2024 I began getting emails from my bank that Brigit was trying to charge my account $5.99. I didnt have the funds as I was awaiting my pay day. They tried charging my account over ten times, this resulted in an overdraft fee in the amount of $31.94. I emailed and reached out to them multiple times with screenshots and facts. I never received a response. I logged into my old account to find out more and it showed they have ANOTHER supposed final payment for 12/27/24. This company is stealing and hoping people dont notice, but I did and I hope others do too.

  Business Response

  Date: 12/12/2024

  Brigit is in receipt of BBB complaint ID ******** filed by ***** ******** regarding their subscription fee. 
  
  Please be advised that Brigit takes consumer complaints seriously and all complaints are thoroughly investigated. Sometimes Brigit may ask consumers for additional information or evidence to support their claims.
  
  This customer signed up for a ******************** subscription on April 1st 2024. Unlike most subscription companies (e.g., *******, etc.), Brigit does not charge a consumer upfront or at the beginning of the subscription period. Instead, Brigit charges the customer at the end of the billing periodaligned with the customer's last paycheck of the month. When a customer cancels their subscription, the customer is charged for the current (and final) billing period. That charge usually falls on or after the cancellation date, on the date their subscription was originally due. The customer does not incur any subscription charges for the following month.
  
  Customers can cancel their subscriptions at any time in the Brigit app, through the web or by reaching out to our **************** team, who is available 7 days a week. Brigit has no record of this customer cancelling or attempting to cancel their subscription prior to December 4th 2024. Their final fee was paid on November 29th 2024, and they cancelled 5 days later on December 4, 2024. With this customers subscription now canceled, they will not be charged going forward. 
  
  This customer deleted their own underlying ******************** account on December ********, which means their external bank account has been disconnected and will no longer be charged.
   
  Brigit trusts that the information provided is sufficient to close this complaint. If this customer has additional questions or concerns they are invited to contact Brigit directly at **********************************************************************.
  
  

  Customer Answer

  Date: 12/12/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  I have reached out multiple times via email to the email address they have provided. They ignored me for days, and then stated that they cant look into the issue because I deleted my account. Their support team states that they cant look into my account now that it has been deleted which actually means that their response is a blatant lie and does not in fact resolve the issue. There are reasons this company has already undergone one lawsuit, I look forward to seeing them sink. 

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ***** ********
  
  
  
  
   
  

  Business Response

  Date: 12/13/2024

  Brigit has no further information to provide. Please see our original response here:

  Brigit is in receipt of BBB complaint ID ******** filed by ***** ******** regarding their subscription fee. 
  
  Please be advised that Brigit takes consumer complaints seriously and all complaints are thoroughly investigated. Sometimes Brigit may ask consumers for additional information or evidence to support their claims.
  
  This customer signed up for a ******************** subscription on April 1st 2024. Unlike most subscription companies (e.g., *******, etc.), Brigit does not charge a consumer upfront or at the beginning of the subscription period. Instead, Brigit charges the customer at the end of the billing periodaligned with the customer's last paycheck of the month. When a customer cancels their subscription, the customer is charged for the current (and final) billing period. That charge usually falls on or after the cancellation date, on the date their subscription was originally due. The customer does not incur any subscription charges for the following month.
  
  Customers can cancel their subscriptions at any time in the Brigit app, through the web or by reaching out to our **************** team, who is available 7 days a week. Brigit has no record of this customer cancelling or attempting to cancel their subscription prior to December 4th 2024. Their final fee was paid on November 29th 2024, and they cancelled 5 days later on December 4, 2024. With this customers subscription now canceled, they will not be charged going forward. 
  
  This customer deleted their own underlying ******************** account on December ********, which means their external bank account has been disconnected and will no longer be charged.
   
  Brigit trusts that the information provided is sufficient to close this complaint. If this customer has additional questions or concerns they are invited to contact Brigit directly at **********************************************************************.

• Initial Complaint

  Date:11/11/2024

  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.

  This company offers the option to borrow funds up until a certain pay period period i hadn't used them in quite some time because they require a subscription to utilize their service the thing as I hadn't used them in quite some time I was offered a period of not having to pay their 599 subscription fee however upon consolation they have continued to attempt to bill me for $5.99. I reached out to the company to see if anything could be done about the attempted withdrawal from my bank account however they let me know even though I hadn't used their resources because I didn't qualify because I hadn't canceled within a certain period of time they would have to bill me the 599 and that there was nothing that they could do about it. I never use their services again because I never qualified and still they are attempting to take the 599 out of my account. I'm reaching out to you all to see if there's anything that can be done this route.

  Business Response

  Date: 11/12/2024

  Brigit is in receipt of BBB complaint ID ******** filed by ******* ******** regarding their subscription fee. 
  
  Brigit takes consumer complaints seriously and all complaints are thoroughly investigated. Sometimes Brigit may ask consumers for additional information or evidence to support their claims. 
  
  This customer has signed up for ********************'s services multiple times: originally, from June 2020 through October 2020, and again from August 2022 through June 2023. The customer enrolled in a ******************** subscription for a third time on September 9th 2024 and canceled on October 29th 2024 - the period of time subject to this complaint.
  
  At the time the customer signed up in September 2024, they agreed to a subscription fee of $5.99 per month. The enrollment process requires customers to navigate several screens of information, stating and reiterating the subscription plans details and costs. Prior to enrolling, the customer must expressly agree to the the plan terms by (1) checking a box stating they agree to the terms of service (which contain details about how the customer is required to pay their subscription fees and agreeing to allow Brigit to charge those fees to the bank account the customer actively connects to their ******************** account), and (2) clicking "confirm" twice, on two different screens, to complete the enrollment process. This customer has now undergone this enrollment process, and seen subscription fee and payment details, on three (3) separate occasions, providing plenty of notice about the payment requirements and cancellation methods for avoiding those charges. 
  
  Brigit attempted to process this customer's payments in accordance with these terms to which the customer agreed. It's worth noting that despite actively enrolling in a Brigit plan after agreeing to these terms of service for a third time, the customer never paid any of their monthly subscription fees - the payment attempt failed every time until the customer's subscription was cancelled on October 29th, 2024. In other words, this customer paid $0 for 2 months of service. 
  
  Brigit understands that the customer was not pleased with their ineligibility for the Instant Cash product, offered as part of the Brigit Plan the customer signed up for. However, ******************** informs the customer about their eligibility status for Instant Cash prior to enrolling in a Brigit Plan subscription. This customer was presented with this eligibility status (or ineligibility) multiple times prior to enrolling in the Brigit Plan, allowing the customer to avoid any charges associated with the plan. The customer chose to enroll in a plan for the third time anyways.
  
  Additionally, Instant Cash is not the only product available under the customer's ******************** Plan - ******************** also offers Credit Monitoring, ************************************ and Budgeting tools, and a marketplace suite of offers for customers to obtain financial services/products or gig work through affiliate partners. All of these features were also available to the customer even if they did not qualify for Instant Cash, ensuring the customer received value for their subscription fee. 
  
  Please be advised that all customers can cancel their subscriptions at any time (to avoid future subscription fee charges) in the Brigit app, through the web or by reaching out to our **************** team, who is available 7 days a week. This customer did so on October 29th, 2024.
  
  Brigit trusts that the information provided is sufficient to close this complaint. If this customer has additional questions or concerns they are invited to contact Brigit directly at ****************************************************************************;

• Initial Complaint

  Date:11/07/2024

  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.

  This company is suppose to help you with finance however it made me pay a subscription two times after I cancel the subscription still took two extra payment and also keep taking a ***** out of my account for no reason once a week. I would like to make it known that they are stealing money small amount but if they have a lot of online subscription this is a lot of extra money they get for no service

  Business Response

  Date: 11/08/2024

  Brigit is in receipt of BBB complaint ID ******** filed by ******* ****** regarding their subscription fee. 
  
  Brigit takes consumer complaints seriously and all complaints are thoroughly investigated. Sometimes Brigit may ask consumers for additional information or evidence to support their claims. 
  
  This customer signed up for a ******************** Premium subscription on July 1st 2024, downgraded to a Brigit Plus subscription on October 30th 2024, and canceled on November 5th 2024. During that time, they actively used the Brigit app and their Brigit subscription plan, requesting upwards of 13 Instant Cash advances, with the most recent advance coming as recently as November 2nd 2024 (still outstanding with a due date of November 29th 2024) - just days before they cancelled their subscription. 
  
  Please be advised that all customers can cancel their subscriptions at any time in the Brigit app, through the web or by reaching out to our **************** team, who is available 7 days a week. Unlike most subscription companies (e.g., *******, etc.), Brigit does not charge a consumer upfront or at the beginning of the subscription period. Instead, Brigit charges the customer at the end of the billing periodaligned with the customer's last paycheck of the month. When a customer cancels their subscription, the customer is charged for the current (and final) billing period. That charge usually falls on or after the cancellation date, on the date their subscription was originally due. The customer does not incur any subscription charges for the month following cancellation. There is no record of the customer attempting to cancel their subscription at anytime prior to November 5th 2024, though they did downgrade their Plan on October 30th 2024 just days before canceling on November 5th 2024. 
  
  Since this customer's account was not canceled until November 5th (after the beginning of the November billing cycle), and since the customer actively used the ******************** app and Brigit Plan up until days before they cancelled (when they took the November 2nd Instant Cash advance), all fees charged through November 5th 2024 are correct and not eligible for a refund.
  
  Please note: the customer's November ******** Instant Cash advance is still outstanding and is scheduled for repayment on November 29th 2024 - this transaction will be the repayment of an outstanding advance, not an additional fee or attempt to take money from the customer's account as alleged in their complaint. Likewise, the customer is still responsible for their outstanding November Brigit Plan fee, scheduled for payment on November 27th 2024 - again, this transaction will be the payment of an already-outstanding subscription fee for the period of time in November during which the customer actively used their subscription as outlined above. With this customer's subscription now canceled, they will not being charged anything else after the repayment of these outstanding obligations. 
  
  We would also like to point out that the $0.01 ("1-*****") charge the customer mentioned in their compliant is simply a verification charge. Whenever we connect to a bank account, or connect a debit card, we have to process a 1 cent charge to confirm the active status of the customer's external bank account. This is a one-time event, and results in Brigit depositing money into the customer's account, not taking the money out of the customers account. ******************** most definitely does not withdraw pennies (or any of the customer's money) on a monthly basis aside from the subscription fees outlined above. 
  
  Brigit trusts that the information provided is sufficient to close this complaint. If this customer has additional questions or concerns they are invited to contact Brigit directly at ****************************************************************************;

• Initial Complaint

  Date:11/07/2024

  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 received a payday loan from Brigit. On September 19th my check was deposited. On September 20th on a Friday Brigit took the payment out of my account. Later that day they tried to process another payment, but my account didn't have the funds resulting in a non sufficient charge. I emailed ***** and explained what happened. She stated it is a bank charge not their responsibility. I explained that they already collected payment why charge my account again. I closed my account at this time. I received another change on October. And they changed my account a membership fee in October even though I closed the account on September 20th, I have not received a loan since closing account.

  Business Response

  Date: 11/08/2024

  Brigit is in receipt of BBB complaint ID ******** filed by ********* *****-******** regarding their subscription fee. 
  
  Brigit takes consumer complaints seriously and all complaints are thoroughly investigated. Sometimes Brigit may ask consumers for additional information or evidence to support their claims. 
  
  This customer signed up for a ******************** subscription on July 14th 2024 and canceled on September 24th, 2024. Prior to cancelling, the customer took out an Instant Cash advance on August 25th, 2024 with a due date of September 5th, 2024. That payment failed, and was instead repaid on September 19th, 2024.
  
  Likewise, the customer had a ******************** Plan subscription fee due on September 19th, 2024. Both the subscription fee and Instant Cash advance repayment were made on the same day, September 19th 2024, accounting for the two separate charges the customer noted in their complaint. The customer was not double-charged for the same transaction; these were two different charges - one for the Brigit Plan subscription fee and one for the repayment of the Instant Cash advance.
  
  This day, September 19th 2024, was also the end of their billing cycle. The customer then cancelled on September 25th, 2024 - 6 days into their new billing cycle. This new billing cycle had a subscription fee due date of October 21st, 2024, accounting for the fee the customer cited being charged in October. 
  
  Please be advised that all customers can cancel their subscriptions at any time in the Brigit app, through the web or by reaching out to our **************** team, who is available 7 days a week. Unlike most subscription companies (e.g., *******, etc.), Brigit does not charge a consumer upfront or at the beginning of the subscription period. Instead, Brigit charges the customer at the end of the billing periodaligned with the customer's last paycheck of the month. When a customer cancels their subscription, the customer is charged for the current (and final) billing period. That charge usually falls on or after the cancellation date, on the date their subscription was originally due. Here, that final billing date was October 21st, 2024, since the customer didn't cancel prior to the end of their prior billing cycle in September.
  
  Even though the customer cancelled their subscription in the middle of the billing cycle that ended on October 21st, Brigit refunded the customer's $8.99 October 21st subscription fee as a courtesy. Brigit cannot refund bank fees and we advise this customer to contact their bank regarding any overdraft fees their bank has charged them. With this customer's subscription now canceled, they will not be charged going forward. 
  
  Brigit trusts that the information provided is sufficient to close this complaint. If this customer has additional questions or concerns they are invited to contact Brigit directly at ****************************************************************************;

  Customer Answer

  Date: 11/12/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because

  I have attached a copy of my checking account statement.  As you can see my check was deposited on the 19th.  On that day I was charged $8.99 for the monthly fee.  My loan payment of $51.99 was processed on the 20th after the loan payment was processed.  I received another charge at this time I did not have the funds in my account.  My account was charged on Oct. 9 and Oct. 21 to collect the $8.99 monthly charge.  Brigit charged on days that I don't get paid.  Finaly collecting the payment after my check arrived on Oct. 24th.  They have access to members accounts and charge when they get ready, not when check are deposited.  

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ********* *****-********
  
  
  
  
   
  

  Business Response

  Date: 11/13/2024

  Brigit has no further information to provide. Please see our original response here:

  Brigit is in receipt of BBB complaint ID ******** filed by ********* *****-******** regarding their subscription fee. 
  
  Brigit takes consumer complaints seriously and all complaints are thoroughly investigated. Sometimes Brigit may ask consumers for additional information or evidence to support their claims. 
  
  This customer signed up for a ******************** subscription on July 14th 2024 and canceled on September 24th, 2024. Prior to cancelling, the customer took out an Instant Cash advance on August 25th, 2024 with a due date of September 5th, 2024. That payment failed, and was instead repaid on September 19th, 2024.
  
  Likewise, the customer had a ******************** Plan subscription fee due on September 19th, 2024. Both the subscription fee and Instant Cash advance repayment were made on the same day, September 19th 2024, accounting for the two separate charges the customer noted in their complaint. The customer was not double-charged for the same transaction; these were two different charges - one for the Brigit Plan subscription fee and one for the repayment of the Instant Cash advance.
  
  This day, September 19th 2024, was also the end of their billing cycle. The customer then cancelled on September 25th, 2024 - 6 days into their new billing cycle. This new billing cycle had a subscription fee due date of October 21st, 2024, accounting for the fee the customer cited being charged in October. 
  
  Please be advised that all customers can cancel their subscriptions at any time in the Brigit app, through the web or by reaching out to our **************** team, who is available 7 days a week. Unlike most subscription companies (e.g., *******, etc.), Brigit does not charge a consumer upfront or at the beginning of the subscription period. Instead, Brigit charges the customer at the end of the billing periodaligned with the customer's last paycheck of the month. When a customer cancels their subscription, the customer is charged for the current (and final) billing period. That charge usually falls on or after the cancellation date, on the date their subscription was originally due. Here, that final billing date was October 21st, 2024, since the customer didn't cancel prior to the end of their prior billing cycle in September.
  
  Even though the customer cancelled their subscription in the middle of the billing cycle that ended on October 21st, Brigit refunded the customer's $8.99 October 21st subscription fee as a courtesy. Brigit cannot refund bank fees and we advise this customer to contact their bank regarding any overdraft fees their bank has charged them. With this customer's subscription now canceled, they will not be charged going forward. 
  
  Brigit trusts that the information provided is sufficient to close this complaint. If this customer has additional questions or concerns they are invited to contact Brigit directly at ****************************************************************************;

  Customer Answer

  Date: 11/18/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved becaus

  They charged my account twice for the same payment, after I paid my monthly charge and loan payment.  Bad business.

  Thank you

   

   

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ********* *****-********
  
  
  
  
   
  

• Initial Complaint

  Date:10/31/2024

  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 opened a credit builder account with ********************. After not missing a payment for almost 2 years I switched bank accounts and my small monthly payment could not be withdrawn from my account. ******************** reported it to my credit the following month and severely lowered my credit score, erasing years of work building it up. Once I was aware of what happened I closed the Brigit account. Upon closing the account they said I had several hundred dollars in my account that they owed me and deposited it to my bank account. If I had a credit of several hundred dollars I do not understand why it wasn't applied to my small payment rather than ruining my credit. I signed up with them to help my credit because it was advertised as a credit builder account. However it was just the opposite and gave almost no warning before ruining my credit. Had I known I would have paid the small payment immediately but I was unaware it had tried to come out of my old account.. When I contacted customer service the phone number listed said they accept emails only and I got an automated response back with no response to my situation. The account has a zero balance and is closed but still shows up as past due on my credit.

  Business Response

  Date: 11/05/2024

  Brigit is in receipt of BBB complaint ID ******** filed by ****** ***** regarding negative reporting. 
  
  Please be advised that Brigit takes consumer complaints seriously and all complaints are thoroughly investigated. Sometimes Brigit may ask consumers for additional information or evidence to support their claims. 
  
  This customer signed up for our Credit Builder product on September 7th 2023 and choose to pay $25/month for their installments. This customer did not pay their August 2024 or September 2024 payments on time because of insufficient funds in the linked bank account. After each missed payment, Brigit sent numerous late-payment notices to the customer through both email and push notification to the customer's mobile device. These notices were sent multiple times per week through each channel, notifying the customer that their payment failed to process. Unfortunately, the customer was unable to connect their new bank account and successfully make-up the late payments until October 4, by which time the late August and September payments had already been reported.
  
  This customer's last report was generated on October 1st 2024, during which time the customer had yet to pay these 2 missing installments. Since the customer's October 4 make-up payment was after the date of the latest report, these payments are not yet reflected on the user's credit report. Upon the next update, this user's credit report will show the 2 payments made on October 4th 2024. Please note that it can take ***** days for this report to be visible to the customer. 
  
  We completely understand the customer's concerns regarding late payments on your credit report. Our ************* Team is unable to remove individual late payments or interfere with their credit report with the bureaus in any way. Brigit is required to accurately report payment activity on loans such as this Credit Builder account. We understand that late payments have an unfortunate impact on the customer's credit report. However, our commitment to maintaining the integrity of our reporting standards and adhering to legal guidelines ensures fairness and transparency for all our customers.
  
  ******************** trusts that the information provided is sufficient to close this complaint. If this customer has additional questions or concerns they are invited to contact Brigit directly at ****************************************************************************;

  Customer Answer

  Date: 11/11/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  [Your Answer Here]

   They did not address my question of why they deducted my last payment out of the positive balance I had in my account when I asked to close my account but would do so the previous month but instead reported that I missed a payment when I had a positive balance in my account.

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ****** *****
  
  
  
  
   
  

  Business Response

  Date: 11/12/2024

  Brigit has no further information to provide. Please see our original response here:

  Brigit is in receipt of BBB complaint ID ******** filed by ****** ***** regarding negative reporting. 
  
  Please be advised that Brigit takes consumer complaints seriously and all complaints are thoroughly investigated. Sometimes Brigit may ask consumers for additional information or evidence to support their claims. 
  
  This customer signed up for our Credit Builder product on September 7th 2023 and choose to pay $25/month for their installments. This customer did not pay their August 2024 or September 2024 payments on time because of insufficient funds in the linked bank account. After each missed payment, Brigit sent numerous late-payment notices to the customer through both email and push notification to the customer's mobile device. These notices were sent multiple times per week through each channel, notifying the customer that their payment failed to process. Unfortunately, the customer was unable to connect their new bank account and successfully make-up the late payments until October 4, by which time the late August and September payments had already been reported.
  
  This customer's last report was generated on October 1st 2024, during which time the customer had yet to pay these 2 missing installments. Since the customer's October 4 make-up payment was after the date of the latest report, these payments are not yet reflected on the user's credit report. Upon the next update, this user's credit report will show the 2 payments made on October 4th 2024. Please note that it can take ***** days for this report to be visible to the customer. 
  
  We completely understand the customer's concerns regarding late payments on your credit report. Our ************* Team is unable to remove individual late payments or interfere with their credit report with the bureaus in any way. Brigit is required to accurately report payment activity on loans such as this Credit Builder account. We understand that late payments have an unfortunate impact on the customer's credit report. However, our commitment to maintaining the integrity of our reporting standards and adhering to legal guidelines ensures fairness and transparency for all our customers.
  
  ******************** trusts that the information provided is sufficient to close this complaint. If this customer has additional questions or concerns they are invited to contact Brigit directly at ****************************************************************************;
  

• Initial Complaint

  Date:10/21/2024

  Type:Billing 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.

  In August of 2024, I downloaded the Brigit app on my phone. It promised fee-free payday advances when linking to a qualifying bank account with direct deposits. I was initially on an 8.99 per month subscription SOLELY for the month of August 2024. I canceled this subscription in early September before the 30 days, and the app said I would not be charged again.Come October, I noticed an 8.99 withdrawal from my bank account made by ********************. I did not authorize this, nor did I enroll in a new subscription. I immediately called my bank, and was told I could not even issue a "stop payment" order to Brigit since they have my account number. Upon further examination, I was also charged a monthly fee of 8.99 in September 2024.Attached to this complaint there are 3 photos:1) The "Brigit Subscription Free proof October 2024.jpg" is an image of my current Brigit app, which shows a FREE subscription, not a paid one despite my October charge.2) The "Brigit Subscription payments *************** shows a transaction history in the app of monthly $8.99 debits from August, September, and October. It does not show a reason.3)The "Brigit ***** debit October 2024.jpg" is an image I have cropped from my bank records showing an $8.99 debit on October 18th, despite having the app show a free subscription plan in image **** this point I would like these recurring debits to stop. I would like no affiliation, payments to or from, or any use of the Brigit app or website. I would also like a refund of ***** USD for the September and October monthly payments. Since this looks like I am not the only one they have fraudulently charged, given a class action lawsuit for this exact problem, I will be seeking legal action if this company does not stop payments and issue a refund.

  Business Response

  Date: 10/24/2024

  Brigit is in receipt of BBB complaint ID ******** filed by **** ****** regarding their subscription fee. 
  
  Brigit takes consumer complaints seriously and all complaints are thoroughly investigated. Sometimes Brigit may ask consumers for additional information or evidence to support their claims. 
  
  This customer signed up for a ******************** subscription on August 18th 2024 and canceled on October 4th 2024 with a final fee due on October 10th 2024. Unlike most subscription companies (e.g., *******, etc.), Brigit does not charge a consumer upfront or at the beginning of the subscription period. Instead, Brigit charges the customer at the end of the billing periodaligned with the customer's last paycheck of the month. When a customer cancels their subscription, the customer is charged for the current (and final) billing period. That charge falls on or after the cancellation date, on the date their subscription was originally due. The customer does not incur any subscription charges for the following month.
  
  Since the customer enrolled in their subscription on August 18th and canceled on October 4th, that means they had an active subscription in the months of August, September, and beginning of October. As such, they would have incurred 3 separate subscription fees, meaning the three fees charged between August 18th and October 10th are correct.
  
  Our records show this customer contacted our ************* team on October *********, and a member of our support team refunded this customer for 2 months worth of subscription fees, which was done as a one-time courtesy. With this customer's subscription now canceled, they will not be charged going forward. 
  
  Please be advised that all customers can cancel their subscriptions at any time in the Brigit app, through the web or by reaching out to our **************** team, who is available 7 days a week. 
  
  Brigit trusts that the information provided is sufficient to close this complaint. If this customer has additional questions or concerns they are invited to contact Brigit directly at ****************************************************************************;

  Customer Answer

  Date: 10/25/2024

  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 and the matter has been resolved.
  
  Sincerely,
  
  **** ******
  
  
  
   
  
  

• Initial Complaint

  Date:10/14/2024

  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.

  BRIGIT GAVE ME A $50.00 CREDIT LIMIT. I HAD IT SET UP WITH MY BANK TO DEPOSIT THE MONEY AND IT WAS DUE ON THE 3RD OF EVERY MONTH. THEY WOULD NOT GIVE ME A CREDIT LINE ANY HIGHER. I MISSED ONE PAYMENT AND THEY SAID I OWED THEM $510 BANKED WITH ********** SO MY STATEMENTS WILL REFLECT THAT $50 WAS ALL THEY DEPOSITED AND I WOULD PAY IT BACK. I TRIED REACHING A *** BUT NO ONE WOULD RETURN MY EMAILS OR CALLS. THEY STARTED ***ORTING THIS INACCURATE INFORMATION TO ALL THREE CREDIT BUREAUS, WHICH AFFECTED MY CREDIT SCORES. THEY KEEP HARRASING ME BY EMAIL AND TEXT. I HAVE ALSO ***ORTED THIS TO TRANSUNION AS WELL. HOW COULD I OWE THAT AMOUNT OF LOAN MONEY YOU NEVER GAVE? I WANT THIS TAKEN OFF ALL CREDIT BUREAS BECAUSE IT'S NOT TRUE AND I'M SICK OF THEM HARASSING ME BY TEXT MESSAGE AND EMAIL. THANK YOU

  Business Response

  Date: 10/18/2024

  We are in receipt of your complaint to the BBB dated October 10, 2024.
  
  Brigit App Enrollment & Membership
  
  On March 10, 2021, you enrolled in the Brigit App, and on October 30, 2023, subscribed to a Brigit Premium Membership (at $9.99 per month). As part of this enrollment, you agreed to the Brigit Terms of Service which required you to link your bank account and permit ******************** to use them to (1) determine eligibility for Brigit products, (2) pay any subscription fees, and (3) adhere to payment requirements for the Brigit products.
  
  The two products in which you have taken advantage of include Brigit's Instant Cash advance, and Brigit's Credit Builder Installment Loan.
  
  Instant Cash Advances
  
  Our records indicate that you have taken out a total of seven Instant Cash advances while a member of Brigit. The most recent advance was originated by you on March 3, 2024 in the amount of $50.00 with a due date of May 3, 2024. Your repayment of this advance failed and was returned by your bank due to insufficient funds. Therefore, this amount remains outstanding. As stated in the terms, we generally attempt repayment of outstanding advance amounts on the next predicted date of your paycheck. When a repayment cannot be made, we try to work directly with you to develop a suitable alternative repayment plan. Ultimately, Brigit Instant Cash Advances are non-recourse, and Brigit does not report Instant Cash advances to the credit bureaus.
  
  Credit Builder Installment Loan
  
  Our records indicate that you opened a Credit Builder installment loan with Brigit on March 2, 2024. Please note, at the time you signed up for your Credit Builder account, you agreed that Brigit would report to the credit bureaus regarding the status of your Credit Builder account.
  
  A Credit Builder loan with Brigit is an installment loan that can help you build a positive payment history by reporting every payment made to the three major credit bureaus. The proceeds of the loan go into a For Benefit Of ("FBO") account held by ******************** to make a portion of the loan repayments. The proceeds of a Credit Builder loan are never sent directly to you as the consumer.
  
  You are responsible for paying part of the installment repayments each month, and the amount you paid depends upon the amount you have elected to contribute to your payment amount, which is between $1 to $25 via the Brigit App. You originally elected to contribute $15 per month. Users have the ability to update the amount they contribute via the Brigit App, and you did so, changing the monthly contribution amount to $5 per month on April 5, 2024 (after the initial payment of $15 on April 1, 2024 was due).
  
  Credit Builder Late Payments
  
  Unfortunately, your April 2024, & May 2024 payments for $5.00 were returned by your bank. Notifications were sent to your email address on file (same as on your complaint), to your telephone number on file (same as on your complaint), and by push notifications via the Brigit App. Once your account was over 30+ days past due, and it was then reported had already been reported to the credit bureaus as such.
  
  We completely understand your concerns regarding late payments on your credit report.
  
  Our ************* Team is unable to remove individual late payments or interfere with your credit report with the bureaus in any way. Brigit is required to accurately report payment activity on loans such as this Credit Builder account. We understand that late payments have an unfortunate impact on your credit report. However, our commitment to maintaining the integrity of our reporting standards and adhering to legal guidelines ensures fairness and transparency for all our customers.
  
  Correspondence
  
  Our records indicate that you reached out to our **************** Team in April 2024. At that time, our representatives further explained the Instant Cash advance and Credit Builder loan products to you.
  
  Please note that your Credit Builder account, and your ******************** Membership remain open at this time. You may close either via the Brigit App, or by contacting the **************** team at any time.
  
  Please let us know if you have any further questions regarding this matter at ****************************************************************************;
  

  Customer Answer

  Date: 10/29/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  My son had a stroke and I was not able to respond to the complaint I filed against consumer Brigit. I would like to move forward as Brigit continues to harass me by text messages, emails, and still reporting inaccurate charges. I will attach documentation. Thank You 

  
  Sincerely,
  
  ******* *****
  
  
  
  
   
  

  Business Response

  Date: 10/29/2024

  Brigit has no further information to provide. Please see our original response here:

  We are in receipt of your complaint to the BBB dated October 10, 2024.
  
  Brigit App Enrollment & Membership
  
  On March 10, 2021, you enrolled in the Brigit App, and on October 30, 2023, subscribed to a Brigit Premium Membership (at $9.99 per month). As part of this enrollment, you agreed to the Brigit Terms of Service which required you to link your bank account and permit ******************** to use them to (1) determine eligibility for Brigit products, (2) pay any subscription fees, and (3) adhere to payment requirements for the Brigit products.
  
  The two products in which you have taken advantage of include Brigit's Instant Cash advance, and Brigit's Credit Builder Installment Loan.
  
  Instant Cash Advances
  
  Our records indicate that you have taken out a total of seven Instant Cash advances while a member of Brigit. The most recent advance was originated by you on March 3, 2024 in the amount of $50.00 with a due date of May 3, 2024. Your repayment of this advance failed and was returned by your bank due to insufficient funds. Therefore, this amount remains outstanding. As stated in the terms, we generally attempt repayment of outstanding advance amounts on the next predicted date of your paycheck. When a repayment cannot be made, we try to work directly with you to develop a suitable alternative repayment plan. Ultimately, Brigit Instant Cash Advances are non-recourse, and Brigit does not report Instant Cash advances to the credit bureaus.
  
  Credit Builder Installment Loan
  
  Our records indicate that you opened a Credit Builder installment loan with Brigit on March 2, 2024. Please note, at the time you signed up for your Credit Builder account, you agreed that Brigit would report to the credit bureaus regarding the status of your Credit Builder account.
  
  A Credit Builder loan with Brigit is an installment loan that can help you build a positive payment history by reporting every payment made to the three major credit bureaus. The proceeds of the loan go into a For Benefit Of ("FBO") account held by ******************** to make a portion of the loan repayments. The proceeds of a Credit Builder loan are never sent directly to you as the consumer.
  
  You are responsible for paying part of the installment repayments each month, and the amount you paid depends upon the amount you have elected to contribute to your payment amount, which is between $1 to $25 via the Brigit App. You originally elected to contribute $15 per month. Users have the ability to update the amount they contribute via the Brigit App, and you did so, changing the monthly contribution amount to $5 per month on April 5, 2024 (after the initial payment of $15 on April 1, 2024 was due).
  
  Credit Builder Late Payments
  
  Unfortunately, your April 2024, & May 2024 payments for $5.00 were returned by your bank. Notifications were sent to your email address on file (same as on your complaint), to your telephone number on file (same as on your complaint), and by push notifications via the Brigit App. Once your account was over 30+ days past due, and it was then reported had already been reported to the credit bureaus as such.
  
  We completely understand your concerns regarding late payments on your credit report.
  
  Our ************* Team is unable to remove individual late payments or interfere with your credit report with the bureaus in any way. Brigit is required to accurately report payment activity on loans such as this Credit Builder account. We understand that late payments have an unfortunate impact on your credit report. However, our commitment to maintaining the integrity of our reporting standards and adhering to legal guidelines ensures fairness and transparency for all our customers.
  
  Correspondence
  
  Our records indicate that you reached out to our **************** Team in April 2024. At that time, our representatives further explained the Instant Cash advance and Credit Builder loan products to you.
  
  Please note that your Credit Builder account, and your ******************** Membership remain open at this time. You may close either via the Brigit App, or by contacting the **************** team at any time.
  
  Please let us know if you have any further questions regarding this matter at ****************************************************************************;