Bright - AI Debt Manager Customer Service

Bright - AI Debt Manager Positive Reviews

Awesome AI paid down my debt automaticallyThis app is awesome! Really helped me pay down my debt, without me even noticing! Today I checked. Only been using Bright Money for 3 months and paid off 1 card. Thank you xoxo! Bright automatically saved money from my checking account, and paid my credit cards at the background! The AI worked so well, never overdrafted me. They even got all the due dates right so I never missed a payment. Credit cards are so easy to get, but so hard to pay off! Geez how would I know that credit card minimum payment is meant to keep me be indebted forever. And every card has a different due date. Sometimes I went to vacation and forget... then boom got charged late fee of $39 and then interest rate! I felt I would never pay them down. Then I joined Bright and I feel hope again. There was a couple of times I had to contact customer service - so nice and patient. Highly recommend for everyone..Emma2030Version: 1.27

Informative and functional app BUT….Bright has been great in terms of helping me keep track of my credit card balances all in one place. I do think it might have helped boost my credit a few points here and there but nothing super substantial yet, and that’s that I’ve been doing their credit builder program for at least 8mo now. The thing that is a bit frustrating however is that they lure you in with the offer of once you’ve completed x amount of payments and qualified, you will be given a line of credit essentially to transfer your card balances over so you’re not paying all that interest. Well, I completed the 5 required months forever ago however I haven’t even been given an estimate as to when I might qualify to transfer my balances. There’s a bar which tells you the percentage of how close you are but there is no sure way to know what variables it’s measuring to qualify you. My percentage stayed the same for like 2mo then all of a sudden jumped up less than 10%. So if you already have fairly good credit and are trying to make it better this will probably be most helpful to you. But if you have lower credit or higher card balances it may not work for you as quick as you’d hope..BrigaminjaVersion: 1.43.1

Great concept, poor implementationI like the user interface of the app and the ease of connecting all your accounts to have a good overview. I was interested in doing the Credit Builder program and I signed up. I was charged $99 for a membership, I was never given the option to choose the monthly fee instead, it all got charged at once. I’ve been waiting weeks for the Credit Builder program to begin and so far nothing has happened. In a nutshell, they loan you $50 and you pay it back in 5 $10 payments to build your credit. This is supposed to reward you with the ability to perform a balance transfer of up to $8000 to a Bright Money line of credit. It would be amazing if it would actually work, but after contacting the company on two separate occasions and never hearing back, it’s hard not to think this is a scam to just get your $99 and run. I was able to escalate my concerns and they said they would be issuing a refund of the $99. I also deleted my account and am disappointed that it didn’t work out, but glad they addressed my concerns. Update: Here I am over a week later and the refund never came. I guess I shouldn’t be surprised. This is what happens when AI is left to run a business.David LiphamVersion: 1.41.1

This app has a few quirks, but it’s absolutely being a lifesaver for me.There are a few bugs in this app, and I’m unsure how the algorithm that’s being used is determine the amounts it does on the days it draws on my account. Some days, I’ve had two withdrawals taken out of my account on the same day. Others, they take a few hundred (which seems extreme, but based around my pay schedule, actually works out just fine for having enough leftover to last me until the next payday). And the fact that it automates the payments to my cards, so I’ve grown accustomed to the balance I see in my checking as my *actual* budget is so extremely helpful. This app has a lot of promise, but over the last month, it’s been really helping me a lot. It’s lowered interest charges over pay periods and even refunded the minimum payments on one of my accounts by the way it handles payments. If you’re struggling with managing debt and a budget, this app is really worth a try. I do hope they develop even more features and fix some of the bugs. Will be keeping my eyes on how this helps my credit score!.TmkrausVersion: 1.24

A financial SOS lifelineI haven’t been the best with my spending habits and it has gotten me into some debt. When I realized I needed help I went on a search for something that would truly help me. “They” say that there is an app for everything so I starting comparing different debt reduction apps and found that most of them wanted you have you take out a loan or pay for them to help you. Then I stumbled upon Bright! Bright Money is one of the best things for me to pay down and reduce my debt and keep me on track. No longer do I worry about making on time or even extra payments to my credit card because I have a friend who’s got my back. Thank you Bright so much for helping me be more responsible and become a financially smarter person. One thing I hope to see soon is spend ability feature on the app that tracks your bills and tells you how much you can spend and not go over budget to help pay debt off quicker!.Organ_FreakVersion: 1.20.1

Best in its ClassI’ve tried out a few apps similar to this. I ended my relationship with all of them in less than a month due to various bugs and integration issues. I’m so glad I found Bright! It’s all I will ever need for credit card management. The algorithm is seamless. I never realize the money has been removed from my bank account. My cards are all paid on time or early. I used to be hesitant to use all of my credit cards because I didn’t want to forget a balance on one of them. But now I don’t have to worry about it! My credit is soaring because I’m actually using all my cards, and Bright is making sure those balances get paid strategically so I pay the least amount of interest. I’m pretty OCD with money management. I use the Ramsey+ app for budgeting and I categorize every purchase I make. I’m so glad I finally found a credit card management app to supplement my financial planning - an app that actually works and isn’t lacking anything!.Chelzzz3Version: 1.24

Try this app! You’ll be happy you did…I downloaded this app with the intention of just scrolling through it because I thought the description seemed intriguing, but I ended up signing up for the whole deal and I’m so glad I did. Also it’s late at night on Christmas Eve right now and I had opened up their chat bot because I just had a quick question, I wanted to verify something, and to my complete shock I immediately reached a human being who was extremely friendly and helpful, honestly it was one of the best customer service experiences I’ve ever had. So for anybody who wants to save money or maybe you want someone else to take care of your credit card payments for you, or maybe you need any of the other countless helpful things this app offers, you should try it!! Trust me there’s nothing to lose, if you don’t end up needing them you can just delete it, truly there’s no downside :).ErinlizlinkVersion: 1.32

Paid off my credit card quicklyThis app has been amazing at helping me pay off my credit cards quickly. Bright started to take the money out of my account (I set the amount you want to always be left in your account) and I barely even realize it was gone. In 4 months I paid off 3 credit cards. All with balances over 3k and one with a 10k balance. If you want an app that actually does something for you (and is free), I'm telling you this is it. You won't notice it's there and if you find you needed the money it took out, simply go into the app within a week of it taking the funds and deposit the money back into your account. Oh and I didn't even mention how it helped my credit having this app make multiple payments for me. Ok I'll stop here before I make a book about this app lol but seriously it'll change your finances for the better..IndystudVersion: 1.39

Amazing Customer ServiceWhen I signed up for Bright I was immediately impressed with how straight forward everything is. From the layout to the detailed debt management plan. Everything was very clear and understandable, which is sometime rare with these things. What impressed me the most was the immediate human representative response I received. I had a question about my account so I opened the chat window to contact support. This was all done at 2am so I expected to go through a lengthy auto response but was shocked that within seconds I was connected to an actual person! My questions were answered quickly and it was nice to actually get a response that wasn’t automated or simply directing me to an FAQ page (especially in the middle of the night). Can’t recommend this app enough if you’re looking to manage your debt and know that they have your back!.SwimFreak19Version: 1.34

One of the best apps I have foundI don’t want sure how I would like this app, I have tried many different apps to build my credit and only a few I have liked. I was pleasantly surprised by what a difference bright has made for me. I don’t even notice the small amounts they use to pay my card, and couldn’t believe what had been paid on my card, and what was saved in my stash without me even having a clue! They only use small amounts that you won’t notice and I have never had an issue. Low balance-no withdrawal. I swear I haven’t noticed a single withdrawal! But my FICO score is up 39 points so far because my credit usage decreased so significantly, and I have extra money saved in my stash for a tough week or month. I recommend this to anyone needing to get ahead on their credit accounts or improve their credit score..TRUMP A POOPY PANTSVersion: 1.28

One of the Best Apps ever!I love this app! It does exactly what it promises in the best way. It takes small amounts from your bank ( in little bits that I don’t even notice or affect me) and just sends them straight to the CC companies to pay down your balance. I literally don’t have to think about it at all, ever. I’ve tried other apps that try to take small amounts for payments or savings, but their systems are so irregular and annoying, they end up taking bulk amounts at the most inconvenient times. Never had this problem from this app. Bright has got it right. I’ve had this app for less than two months have it’s nearly done paying off a $200 balance. My only suggestion would be to be able to manually add other types of accounts to save to or pay off. I just want to use this app for all my financial needs!!!.Tmb471842Version: 1.20.1

Scam app, fake reviewsCustomer support is not existent with fake bots. Impossible to “turn off” any withdrawals, unlink credit cards or even delete anything without is stating “oops something went wrong”. It won’t let you delete anything unless you go through a representative who will be of no help. They will drag you around for months. To make things worse don’t fall for the credit builder loan option with the up to 8000$ balance transfer. I had 4/5 payments completed. I messaged several time about why it stoped back in august and I get met with same email “I will relay this to our team” it is now November and still no withdrawal. Yet when I complain and request to get all my funds back they are magically available to try and help again. Waste of time & money. Do not fall for this app. They will keep you as long as possible to take as much as they can with broken promises. Beware..HsjajsndkVersion: 1.43.1

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Bright - AI Debt Manager Negative Reviews

Probably a good app, but they left a bad impression with meI’m sure this app is probably good at doing whatever it does, I see many people leaving good reviews. But they messed up with me when I was gett started. I couldn’t put my credit card info since I had misplaced it a while ago and I’ve been waiting for a new one in the mail. Meanwhile, these people never told me, or asked for my permission in withdrawing funds from my personal bank account. I wanted this app to help me pay off my credit cards. But in the time I was waiting for my card in the mail, I started seeing a SEA OF WITHDRAWALS coming out of my personal account. This app started a “smart savings” which is pretty nice, except for the fact that I necer agreed to that. They will simply start taking your money and putting it in the app without your permission or knowledge. I got very upset seeing money taken out, a few dollars at a time, multiple times a day with this app. I no longer want anything to do with this app. Do not mess with people’s money and start taking it unauthorized. There’s already little trust in corporations having our personal information, and I was really pussed off to see you guys meaaing with my money. No thank you. It’s also impossible to delete your account info and even the whole profile itself. I have not found a way to do so and am trying to talk to customer service about this. Be informed before downloading this app.._sentifer_Version: 1.43.1

This app WILL take your money before you even decide to use it!!!I have been trying since May 11, 2023 to get a refund! This app will trick you into thinking you’re just checking out the plans, but they WILL charge you and keep your money before you even decide that’s what you want to do! Not only that, but it’s very shady about these “monthly plans”. They boast a small charge of $7.41/monthly, BUT what they ACTUALLY mean is they’re going to charge you for the entire YEAR. (This is specified in a VERY FINE, LIGHTLY PRINTED print at the bottom of the page, and I was not wearing my glasses, so OF COURSE I didn’t see it.) Regardless, I wasn’t even aware that I even signed up in the first place!! I looked at the plans, but I hadn’t signed up, or so I thought! I was l charged $88 out of the blue and of course had to investigate to find out what in the world was going on!! I have been emailing their poor excuse for “customer service” since the 11th of May! And I had to send MULTIPLE emails to get anyone to respond!! And now they’re saying my issue has been resolved, because they cancelled my “membership” that I never used nor signed up for! They will not respond in regards to a refund, and I sent a third email today regarding this! It’s absolutely ridiculous! I feel completely taken advantage of! If you are going to use this app, be VERY VERY careful!! And good luck if anything happens and you need assistance! Customer service is a complete joke!.SillyMongoose18Version: 1.39

DisappointingI’ve been using Bright for going on 8 months now and it has done nothing for me. The biggest reason I got it in the first place was in hopes of getting the credit line, primarily to increase my overall credit line, and secondarily for the balance transfer. My payment history was already in good standing. I was in the process of a job hunt after leaving a job I was very unhappy with. After burning through my savings, I ran my credit cards into the ground until I finally ended up in a MUCH better position. Obviously climbing your way out of debt takes a while. I wasn’t approved for a credit line with Bright upon initially signing up. I was okay with this because of my low credit score. I have since raised my score by over 50 points (on my own, by making huge payments on my credit cards, so Bright gets no credit for this) and have brought my CCU down by over 10% since then. And I still haven’t been approved for a credit line for balance transfer? I’m very close to going from Fair credit to Good credit and I still can’t get the help I was looking for from Bright. At this point I’ve basically just done everything on my own and wasted money on a subscription that has done literally nothing to help me with my situation. Maybe others had a good experience, but in my experience Bright did nothing but disappoint..NavySailor209Version: 1.39

Awesome app BUT my accounts keep disconnectingI really love this app BUT my accounts keep disconnecting which is the reason for giving it a 2 star rating. I reached out to Bright for assistance but they were NO help. After troubleshooting the issue on my own I found that if I updated the password to my account that disconnected and re-entered the new credentials in the Bright app the account successfully reconnected. Well when I logged in to the app this morning (just a few days after re-establishing the connection to previously disconnected account)I found it disconnected AGAIN and another account also disconnected. I logged into the accounts and changed the passwords and re-entered the credentials in the Bright app but no luck. I keep getting a message saying the accounts are already connected BUT they are not. This is so frustrating because the whole reason I opted to download and use the app is for the convenience of having everything in one place, using the automated payment option and bonus, I love how the app automatically saves money for you. Not sure this app is for me at this point. Previously I paid my accounts through automatic payments and I may just have to go back to doing that at least until Bright improves on their customer service and fixes this bug. I really want this app to work, ugh..Gina S76Version: 1.20.1

Horrible!!This app has taken money and it doesn’t say where on the app or when it would take money from your bank account. It hasn’t posted to my credit cards, it was quick to take it out I’ve only had the app for a few days. I don’t agree with your response. One of the “team members” I chatted with on the app about my frustration just kept saying he understood and bright is a young growing team. BEFORE YOU HAVE PEOPLE LINK THEIR ACCOUNTS YOU SHOULD TELL THEM WHEN THEY SHOULD EXPECT THE MONEY TO BE TAKEN OUT. This is literally still ridiculous. I had my “goal” taken out of my bank account last week and I didn’t know that they automatically take money out I just believed I would be able to click and take my OWN money out when I thought be best. They told me last week they were waiting for it to post and then it would be transferred back. Couldn’t tell me how many days even thought they were very quick to take it out. I got a message from Bright through my email today that it would be reversed in 4 to 5 business days after I finally emailed bright and told them I thought it was ridiculous that they couldn’t tell me when the funds could be refunded. May I remind anyone who reads my review a only had the app for 2 or 3 days before they initially took the money out and now it’s taking over a week to be reversed..LilmamaemmVersion: 1.20.1

Worst customer service available.I was promised and told 3 times that I would get refunded because they charged my account AFTER I cancelled my subscription, this resulted in a negative balance in my bank account of (160) because they’re charge screwed up my math and cause a domino effect of overdraft fees! After 2 weeks of genuinely struggling to contact them, I was promised a refund by two different people, I have screenshots and everything to prove the transactions and overcharges. I got told “dont worry, I’ll take it from here” from Ava in guest service, after initially getting told by Andrea in guest service that the issue would be resolved, and yet I never got my refunds and than got completely IGNORED BY CUSTOMER SERVICE, they genuinely hung up the phone before even talking with me and than made it so that I can’t reach guest service through the app chat, I HAVE to email them, to which they continue to ignore me! So long story short, after I canceled my subscription with the app I continue to get charged fees which resulted in a cash loss of (160) which I guess I’ll never see again, which I cannot afford to never see again. So I guess I will be eating rice for the next few months. No thank you for your help. I’m so upset, and honestly sad. 10/10 would never recommend this app..Jester.mesterVersion: 1.35

Not following the mob on this oneThis program is so convoluted; it simply makes no sense. I see reviewer‘s talking about how great their customer support is. What support? It doesn’t exist. I have been trying to get answers for a month and a half and their chat system simply says there’s no one available, and they will reply in 24 to 48 hours via email, but I’ve never gotten a single response. They take odd amounts out of my bank account and put in places like in my “stash” for seemingly no reason at all. I had $2.73 moved to my “stash” yet it was taken out of my bank account THREE times. And when I questioned it - no response. My “credit limit” was supposed to increase after 30 days. I watched the days tick down and then NOTHING! The days starting ticking down again from 30. It simply makes no sense. I started out asking for guidance and better instructions through the Chat app (which is the only way to get support) and I got no response. Now I am simply trying to cancel my account ($9.99 a month) and my only two options are to keep the account or to chat with support - you know where that got me. I’m afraid there are people out there trusting this app when they are really being taken a few dollars at a time and getting ripped off..DavidqtnVersion: 1.36

Too much to say...They drain your bank account. you can’t have extra 5 dollars on your account because they will withdraw it and start making payments non-stop. So if you want to have spare money bad luck. They don’t pay attentions to your credit cards they just pay, pay and pay till the point that they sent a $222 payment to a credit card that had $0 balance so now I have a credit card with $-222. Make no sense. They did it couple times and I called them but they don’t really care and still sent payments to the credit card with a $0 balance. They just send an email apologizing but they don’t really do anything about it. The point to have this app is that you shouldn’t have to call them to let them know which and how much to pay on the credit card. (Which I did few times because they were sending payments to a card with $0 balance) They only good thing is that they give me a $1500 credit with a little lower APR to pay off couple credit cards. better than nothing. But Still I give 1 star for the horrible customer service and for not being carefully with sending payments. UPDATE: their response is always the same to every bad rating. (Copy and paste) It seems that they don’t really read our concerns. Another reason that confirms the 1 star rating..Mono98Version: 1.20.1

A semi-scam - will work for VERY few - mostly a waste of time and mostly money.I signed up a few months ago. Same as everyone else - very shady - says monthly then pulls the whole amount then charges monthly and 3 payments in now my account has disappeared. They want me to reconnect the accounts again but I know this is to only charge me the full yearly charge again and pretend like I didn't make any payments. I've been trying to reach their customer service for weeks like with no avail. They took 3 payments, saved nothing, did nothing but take away 3 points from my already not too bad score and completely seems to have reset my account now claiming I never made one. I have email Proof and transaction proof but no one responds so all that is pointless. I would suggest to calm your back, dispute the yearly if you were charged, dispute the monthly charges and block this company in your transactions. This is a meticulously made scam that really can all be done by YOURSELF with a little bit of understanding of what THIS company is trying to do. They have no live support, the phone number is a misleading one (asks to dial *611 for help but that's actually Your own mobile service's customer service. DO NOT FALL FOR THIS APP AS MOST OF US HAVE! Please stay away!.RuxarrahmanVersion: 1.40

Horrible support - FRAUD ALERT**UPDATE** Do not put money into this app. It has been iver a month and they removed my bank account with no way to re add it. They also promised a refund of my subscription fee and the money i put into the credit builder. After 1 month and daily emails i am getting nothing but the run around from them. I just want my money back, money that doesn’t even belong to them THEY HOLD YOUR MONEY HOSTAGE App was great the first 3 months. For the past month I can’t get my checking balance to update. Can’t use the app to pay my credit cards since the checking balance is incorrect. Been chatting with support for weeks, i get a new person everyday. How hard is it to allow me to do a fresh relink for my checking????? Im about to miss my 5th on time payment if my account doesn’t get relinked I cant even cancel because without my checking linked, I can’t even get my funds out of their app Update: Developer responded to my post but don’t be tricked. I have tried daily for nearly a month to relink my bank account. It doesn’t work yet they keep telling me “do a fresh relink.” You get nowhere with them UPDATE - nearly 2 weeks have gone by and still no refund like the promised. They still won’t release the money i put in the app.Taffy808Version: 1.38

Won’t give a refund but playing mind gamesThree months ago I spotted a charge on my bank statement for almost $100 and looked where it came from. Bright money was the culprit! So I downloaded the app, made an account and reached out to thwm. This ensued a three month long fight to get my money refunded. I shared screen shots of the charge and my bank statements and I have been run around for three months now with still no refund in sight! Every time I manage to talk to someone, they in the end agree that I could be refunded but then they don’t follow through, and the next person says something else!! They initiate a refund just for it to drop off the next day or just not actually go through. I get emails with blank pages, when I get any emails at all; it’s always something different that I am told. I have jumped through so many hoops and tried to be as patient and kind as possible but I have never had such a poor experience With an app that I had never even downloaded until after the charge appeared! Don’t do it, the customer service is horrible and they will charge you and not even apologize if you don’t want the service they provide! I’mSo done with right money! I just want my money back!!.QuietcowgirlVersion: 1.43.1

Horrible.At first I thought the idea was pretty cool, but then I noticed things I didn’t like. For example the app is constantly being disconnected from my bank and it doesn’t tell me when this happens until after many weeks - right now I noticed it was disconnected back in Nov and just never reconnected it again because I feel like I have to do this multiple times a month, and today I just got a text message from bright telling me there was a bank issue. At the end of the month when things are due. So they should work on letting you know the bank disconnect after two days. Second thing is I have a minimum limit set.. when the bank was disconnected and reconnected, bright took more than it should have past the min amount and then overdrafted me. Third thing is the monthly fee I don’t recall ever agreeing to. It’s $10 a month. I feel like it’s a hidden charge - and finally. The first month it made sure to save extra and actually pay down my debt on my one card.. then after that it was only making minimum payments and not paying anything extra, but making sure to save enough for their monthly fee. Needs a lot of work..Mbarger38Version: 1.32

Horrible Customer ServiceMy account has been on owing $0 for 4 months now I reached out to customer service as my account has been stuck in 62% status for 4 months and each time they respond just giving me the process of how it works. I’ve mentioned multiple times that I know how it works but ask them to check into my account specifically as it shows $0 is owed, if I try to just get my money I get a warning saying stopping it early will affect my credit score negatively, but yet Bright can’t seem to tell me how much longer I have to let the ml why just sit there after it being on $0 owed for over 4 months. I asked for this to be escalated and have yet to hear back. I don’t really care about having the money soon, I just want to know how much longer the process will take as it has been stuck on 62% for such a long time but they seem to now know, I have used another app before similar to Bright and did not have any issues with them. So this is really weird. Also I keep having to reconnect my bank account everytime I login which doesn’t make sense. I would suggest looking at other options rather than Bright I am glad none of my friends used my referral on this app..Ramo451498Version: 1.40

BEWARE IT IS A SCAM!If I could give this app a rating lower than one star I would. It is a SCAM. It isn’t compatible with some credit cards so you are unable to properly track anything. They offer to have you pay off a small “loan” in order to improve your credit over months. The “loan” is you paying them $10 a month on a random dates whenever they choose to charge you, you are not loaned any money. The “loan” is $50. Once they start charging you for the “loan” if you try to opt out they threaten it will negatively effect your credit, so you are stuck paying them $50. They also don’t do a good job of disclosing that the app charges you $10 a month just for using it. So you are paying $20 for a service you can’t use for a minimum of 5 months. When they pull the $10 for using the service, it is also on a different day each month. In conclusion you will be trapped paying at least $100 for this app. I was charged the first month without it going towards the “loan”. My “loan” started to appear to have payments towards it the second month. So I’m going to end up paying them $120 by the time this is over. Again they threaten it will negatively effect your credit for opting out..SinKitty93Version: 1.39

Another under delivering finance app.Pictures speak a thousand works. Go to my Google Maps review of Bright Capital, Inc. to see the screenshots of the circumstances described below: I’ve paid into this service with their annual fee of ~$89. To start off; the phone number they list on Google immediately says; “your call could not go through, please try again later.” The other phone number on their website when you select, “Phone,” is a pre recorded robot message that ends with , “No agents are available to take your call.” I thought maybe my number was black listed from them or something so I’ve even attempted to use my wife’s phone and the same circumstances apply. Their online chat service has repeatedly produced nothing and again; a pre written message says I’ll receive an email “within 24hrs.” I’ve checked daily for an email and even made sure it wasn’t in my junk folder. I am beyond frustrated by this company’s marketing proclaiming “real people” and “respond within a minute.” If I had the power and energy I would sue this company over these circumstances. Ultimately I want someone from this company to fulfill the promises they make to their PAYING customers..Andrewskimonty21Version: 1.39

Good Until It Stops WorkingThis app (in theory) provides a great service with an easy way to keep track of your credit score, how much is in your bank account and uses rounding up to put money towards credit debt. However, it is nearly impossible to communicate with customer service if you have any issues. The credit builder account which is supposed to have you pay back $50 over time to improve your credit score never worked, even though I activated it within the app. You can contact customer service through a chat bot, but ultimately have to email someone and the responses I got were disjointed and did not address the issue I was having. My credit score stopped being updated and roundups keep being sent to a credit card that has already been paid off, and my emails to customer service have not been responded too. While this app purports to provided a service which is good in theory, the execution isn’t there and it’s ultimately more of a hassle than anything else. Extremely frustrating when you are trying to take steps to actively take control of your money..C KazVersion: 1.41.1

Great concept, terrible outcomes.I have been with Bright a little over 6 months (primarily to help build credit) and from the start I was not aware of the service fee of $10 to maintain the program on top of your monthly $10 payments. Secondly, I was informed that after 3 on time payments I would be eligible for a balance transfer after 4 months hit I reach out to their customer service department to inquire about the eligibility and they stated my score was not high enough to offer… ok that’s fine still misleading though.. Thirdly I have been with the program over 6 months now and the credit builder program is technically “completed” after 5 successful payments & is stated to report to credit bureau AFTER completion. It has yet to report, I have reached out to customer service NUMEROUS times & only received generic scripted responses. Nothing helpful at all. Though their CS support has improved it has been a struggle the entire 6 months to get any REAL response. Again, app has a good structure, great concept…. however needs to actually work. I would love for it to just report to my credit bureau like I’ve paid $60 for..11346Version: 1.39

Terrible customer serviceAt first I liked this app. It seemed pretty straightforward to use. But over time it just wasn’t very effective for me. The algorithm couldn’t seem to grasp my income schedule, so the auto savings/payments were sporadic and ineffective. So I reached out to cancel. When I hit the cancel button in the app it directed me to a chat bot. There’s no phone number I could find anywhere, just a chat bot. After many hours the bot finally responded, telling me I needed to pay off the bright money loan before I could cancel. Ok fine, I paid it off. After a few days that payment went through so i messaged the chat bot again “please cancel my membership”. I got a response after a few days that it had been cancelled. A month later they debited my account for the membership fee, so reached out again requesting cancellation and a refund. No response. Another fee. Finally I get a response saying someone will email me in 24 hours to assist. Days later and still no email. I used the cancel button in the app again but no idea if it will actually work. I’m alarmed I gave so much personal financial info to an app that seems to run very poorly..KatboychickengirlVersion: 1.39

HORRIBLE customer service and predatory company!Please avoid at all costs for your own sanity and financial health! I’ve never had such a negative experience with a business as I have with Bright. I have reached out to this company 10+ times over the last several months, and have not been able to contact a live representative once. I have requested to cancel my account and delete all information, but have never received an actual response. The app does not function properly and continually disconnects and glitches. I have reached out by email, phone, chat, and have now sent multiple physical letters to the business address due to lack of response. The one response that I did receive from a representative was an apology for their delayed response and an indication that Bright would not negatively impact my credit score in any way. However, Bright continues to report "missed payments" that are affecting my Equifax credit report, despite the fact that my payment history reflects as 100% on the Bright app. I have now submitted an official dispute with Equifax against Bright for false information reporting. Do NOT use this company!.Katereview117Version: 1.39

Falsely advertise just to get money from youFirst of all, if only i can give zero stars I will do it. I joined and downloaded this app and created an account because I was so convinced that it will help me anyway specially my credit score. I joined 6 months ago, because on their advertisement within 6 months (6 payments every month) their Credit Builder “will help you“ build and make up for your credit score fast and back up. Well, now 6 months after nothing happened. I paid $99 for the starting membership and within that 6 months nothing is happening. They’re just wasting people’s money making everyone believe that there will be a change in your account after joining them. I just reached out to them that I want my refund back because nothing is changing on my account and it’s just stuck there and their customer service will tell me that they couldn’t give me a refund just because it’s more than 30 days. BUT THE PROBLEM IS NOTHING IS HAPPENING! Then you guys won’t give me my money back? So do not download this guys and if you still download it and want to try, goodluck on wasting your money for nothing..ChillwavedjvVersion: 1.43.1

Just DON’T!!!It was my understanding that I was borrowing money at lower interest to pay off my credit cards and paying Bright back instead but instead I was only getting further in debt by still having my credit cards and adding a membership fee to Bright. Not the “Brightest” idea for someone trying to get out of debt. They charge you $36 for 3 months at a time BEFORE you even start their membership that you have no idea about and it’s just a scam to take your money. If I wanted to just enter into a membership that rounded up all my purchases to the next dollar amount and put that into a savings account I would just use the FREE savings account I have elsewhere. This is hugely false advertising as it isn’t a pay off credit at a lower interest rate because I’m literally using my own money EVENTUALLY that’s saved up to pay the credit card debt while I’m still currently paying the debt until I’ve saved a penny here and a penny there to pay the debt off myself at the same high interest rate. My advice to anyone looking at this thinking this will help you consolidate and have lower debt DON’T DO IT! You are just incurring more debt..AfloydluvssgcVersion: 1.41.1

Good idea, but not for everyoneLong story short, I had almost $300 taken out of my checking account and bright was to pay it toward my credit card...the only problem is 3 weeks later my credit card issuer reached out and said they had not received a payment for the month and now was overdue. I thought bright paid my credit card weeks ago? Hmmm. Basically Bright had taken my money and for whatever reason the payment never made it to my credit card. It was still processing and the “estimated date” bright said I should expect to see the payment go through kept getting pushed back every day. I reached out to support and they were able to reverse the funds back to my bright account which from there I could transfer back into my checking account. Thankfully I got my funds back today and closed my bright account. I think the app is a great idea but it didn’t work for me at all, i’m just better off paying it off myself rather than have a 3rd party do it for me. Support was very helpful but i’m sad it was a below average experience. :(.RyanbananVersion: 1.26

Absolute wasteThis is such a waste of money and has done nothing but create more stress in my life. You don’t get credit line increases like they say. Then there’s the fact that is near impossible to change your bank account and remove the old one. Which is even worse cause then “bright doesnt work until the account is reconnected” even though I don’t even have the bank account anymore. So I’m paying $10 a month plus repaying the measly $200 they lent me for nothing. Oh and they randomly take money out of your account for “savings” and you can’t turn it off. And the money ends up being taken and goes towards paying them back anyways. I’ve had to deal with 2 returned payment fees in two days trying to pay my actual credit card bill that they were supposed to help me pay off cause of these random withdrawals. Then to top it off, customer support is absolutely non existent! I have tried to contact them numerous times about these issues and have gotten no response whatsoever. Not from the chat option or email. So just pay off your card the normal way. This will hurt you far more than it’ll help.DjfjshdhakakfVersion: 1.39

BRIGHT-HELP DESKThis is the worse help desk I’ve ever interacted with. This company is handling its consumers money and should have agents at the phone on standby to help customers experiencing issues. Im 22 and have no problem interacting with a help desk via the bright messaging system but my problems are never addressed. I’ve been told agents would contact me via email and no response was ever received. Ive been told an agent would be calling me to resolve my issue and I never heard from an agent at bright. Ive even been told my issue had been resolved when it still was very much not resolved. Note: (Money from my “funding account” was actually being pulled from one of my seperate bank accounts with the same bank.) This caused me to overdraft mutiple times costing me $80 in overdraft fees. The first time I caught this I gave bright the benefit of the doubt and contacted the help desk. They looked at all my banking information i reprovided and they notified me it had been resolved. I received another overdraft fee 2 weeks later. This has been a very frustrating experience with an app that is supposed to help build a better finacial life for its customers..@LeytonWVersion: 1.38

Julie-don’t download!It tells you that you will have a 10 day trial and will be charged monthly for 6 months at a time. This is not the case. They charged me the entire 6 months 2 or 3 days after opening the account with no warning! They also took the $10 for the savings account on the same day. When they took all of this, it overdrew my account. I sent messages in the app and received a response via email many hours later, when it said it would be 1 hour tops. The first 2 emails basically said they are sorry. I had to write 2 more to receive a response that they will credit me the 6 months they charged yet didn’t address the $10 or the fact they cost me $70 in insufficient funds fee and now it looks like I cannot budget my money to creditors! I am still waiting a response, the money and for someone to address the fact they made a mistake and have caused me to have a negative balance!!!! I cannot express how angry I am!! Don’t use this app!! There are many, many others that have the same features and more, for less money, and actually do what they say and actually have customer service!.F345,;)/Version: 1.36

Don’t download this appDONT DOWNLOAD THIS APP. Been trying to cancel since i downloaded. Didnt ask me to join just said to put bank info to see statements and reoccuring bills and hidden memberships then ALL OF A SUDDEN my bank account said i was paying for a membership for Bright, Very Sneaking and it caught me by surprise. So in a panic i tried to cancel and contact them through the app. And It was SO FRUSTRATING. I wasnt able to to get a hold of someone. I have 5 diffent messages in my chat of me trying to get a hold of them. First message through the app with an automated message saying i need to give my number to text then anothe automated message askejngnfor my phone number so they can call me. The Anothe rautomated message saying if i need to make any changes to my account to i have to do it through email. To this day i HAVE NOT SPOKE TO ANYONE REGARDING MY ACCOUNT AND CANCELING. Horrible customer service. Then Only to come to find out MONTHS LATER i could have done it in my account the whole time. Just cancels today and will never do that again. Very shady of them. And their customer service is basically NONE!👎🏼 HORRIBLE APP Scammers..Charliethegreat...Version: 1.41.1

No Communication, misleads you to get more money.When I got this I initially thought it was an easy to use cash advance app like it’s advertised. Upon using it, it tells you that you have to give it $50 first in increments of $10 before you can cash advance/loan from them. Which would be fine. But then has you choose a date in which it will take the money out. Still good. However it requires a subscription, but doesn’t tell you that the date you chose is actually the day you get charged for the subscription. Not the date they take $10 out. Therefore I was charged $37 before I was prepared to. So when I reached out to communicate with them, the chat says it takes up to two minutes for a reply. I’ve waited 10 days so far for a response. Despite multiple messages to them and being told they’ll reach out in 48 hours each time. And then eventually just told me I’d receive an email at some point. So the lack of communication and tricky wording makes this feel like a scam and I’m sorely disappointed that when I needed money, they instead took more money from me..SmylesfirstVersion: 1.40

Stole my money!This app is extremely misleading and useless! I made an account back in December. When I signed up there was no mention of a monthly fee and I never agreed to pay for anything. They charged me $9.99 in January and I didn’t even notice the charge. They charged me again February 15th and when I saw it I thought it was then taking out money to put into the app account to pay towards my credit card payments. After a few days I never saw the money in the app so I emailed them last night about it. I got an email this afternoon asking me about how I would rate the suppose to received for my issue. At this point I’m confused because I never received a response email about the situation. I scroll down and see an email attached showing that someone had responded maybe 30 minutes after my first email. But I literally never got it. I searched my junk mail, trash, EVERYTHING and there was nothing there. So I had to send a completely new email to try and get a refund and now I have to wait again for a response. Definitely not a helpful app AT ALL and just like the year 2020 I WOULD NOT RECOMMEND!.OgminnieVersion: 1.23

How has anyone has a good experience?I don’t normally write reviews first off in fact, I think this is my first one for the App Store. But I wanted to say there’s all these great reviews I don’t know how because I think it’s a scam I tried to cancel my account the very next day after starting this account and when I was on the chat, not only did I get disconnected because I didn’t answer quick enough from the person who was helping me but I can’t get anybody back on the phone now I can’t get them on chat I can’t get them on email and they keep sending me sending me the same stupid email telling me how to cancel my account about five or six of them in a row, when, in fact, by the time I was helped, there was a guy that help me and he did say that I had no worries that he would make sure the account was canceled because they kept sending me a link that was broken to cancel it. They said 2 to 3 days for a refund so I’m almost 100 bucks right now and here we are six days later and still nothing and I can’t even get a response from anybody now..Stephs31Version: 1.41.1

Don’t waste your money doing this.* Giving 1 star only because something had to be giving to post this review. This company is terrible and will take you money as someone said in another comment. I didn’t even know they were withdrawing funds out for the membership. The bigger issue is they have no response with any inquiry other than the automatic responses. Even though it states they will respond in 2 mins. When trying to call the number on their website it ring once then busy signal. I paid for the service on 6/5 and do not like the customer service above anything else so I put in a cancellation notice 6/8. 3 days! It’s giving SCAM!! I want a full refund. I have never experienced such terrible service from a company I’m paying for. **Update since response** Stop the CAP. I just fully cancel my subscription because when I initially submitted a request to cancel my subscription it was in a “pause” status. I didn’t want to pause button cancel. But if you had great records I would be on the log for 2023…. Run me my funds back. Thank you.Skeeta_watt420Version: 1.39

Bad support.The app work when I first sign up. I closed the account because I wanted to add a new address and update other info. Keep in mind it’s only within 2 days. Came to find out when trying to reopen a new account they block my Capital One accounts from being link. I was curious so I tried to link my Boa and my wife Capital One and it work but when trying to link my own which work wonderfully on the closed account. My checking and 3 card showed up. Contacted their support which is almost no edited in the chat “2min” wait time. After 15-20 min auto reply will kick in and the state they will email you. Tried their “2min wait time” throughout the day for multiple days. Same reply after 15mins of silent. I called CO to make sure there weren’t a block. CO confirm there were no block to Plaid or anything and my account is clear. Bright support keep giving me the run around without straight answer to why I can’t link my CO on the new account. App seem promising but with that kind of support backing it I wouldn’t even waste a dollar a month..JBinh89Version: 1.39

Good luck talking to customer serviceI was really excited to try this app. I went through all of the steps to set everything up and it was pretty glitchy. I had to try three times before my bank accounts were connected and then it asked for my ssn and I entered it and it said that it couldn’t verify it. I know it was correct and even if it wasn’t, the box popped up so fast that I knew there was no way it was even sending it. So I tried using their chat feature and got no response, restarted my phone, waited a day, tried the chat feature again, called and left a voicemail, waited another day used the chat feature again, left another voicemail and at this point I thought to myself “Do I really want a company to have access to my bank accounts who I can’t even get into contact with?” Finally I emailed and chatted “PLEASE CLOSE MY ACCOUNT!” And after 5 days I finally got an email yesterday saying that my account was closed. No apologies, no questions about what happened. Safe to say, I would 0/10 recommend this app or company.KelseymelinVersion: 1.39

Horrible appApp is completely useless. I’ve set up smart roundups at least a dozen times. Verified my account is set up and linked properly but it never does anything and then acts like I never set up smart round ups in the first place. I also set up a savings goal and nothing with that ever happens. I contacted support chat once and they never responded to me and sent me an email saying it would occur when the card payment was due, which never happened. Contacted support again for the smart round ups issue. Never helped me. Contacted third time, finally got someone in chat to respond. They asked me a question, I responded back right away, then got no response for several minutes just for the chat to close saying they couldn’t help me. How is that when they never responded back to me. They sent me an email follow up the next day, I responded to that then they never got back to me by email either and closed that out as well. App and customer service is horrible and I’ll be deleting app unless I can finally get some assistance..AceSS1285Version: 1.39

Great idea - when it worksI’ve tried to use this app off and on for about two years now, and it’s like that friend you complain about a lot but can’t quite decide to get out of your life. In the handful of months it has worked properly, it’s a lifesaver. Seriously. I have really large minimums on some credit cards and being able to break that up is phenomenal. But the app requires constant monitoring because it constantly misfires - not withdrawing enough money, randomly cancelling payments, due dates and balances not updating automatically so payments don’t get scheduled in the first place. The support is okay and always restarts everything but that process takes several days every time, creating additional disruptions with withdrawals and payments. I really want it to work correctly because it’s unbelievably helpful in the months where it has functioned the whole time. But unfortunately those are very outnumbered by months with problems as of now..Good addicting gameVersion: 1.39

Unresponsive & unreliableI signed up for this thinking it would help pay my credit card down. The whole app makes you believe they will pay your credit card bill automatically every month and they will refund a late fee if it so happens to be late. Two of my payments weren’t made and when I reached out to customer service I didn’t get a response until my third try. They didn’t resolve anything or answer any of my questions, just said there was insufficient funds in my account so they weren’t able to pay my credit card bill for me even though they charged me over $250 to set aside for those exact payments. My credit took a hit because of the late payment history and I never got a refund for the late fees. Their credit builder line of credit doesn’t work either. My money has been sitting there for over two months with $2.78 left to pay in order to finish the loan and it won’t let me manually pay the remainder. Once again, no response when I reached out for help. DO NOT RECOMMEND!.Colegng23Version: 1.38

Don’t put your bank info in!!The app is advertised like a line of credit that will be paid over a few months to build your credit and then a larger amount would be unlocked for you to use to consolidate/pay off credit card debt. I was supposed to be charged 6.99 per month but before I had even gotten a chance to use the app, I was charged $40+ that came directly from my account because they ask for bank info first. One would assume they want banking info first to get you set up and make sure that you have enough money deposited into your account each month or something to that extent. The money they took out was not available and it over-drafted my account. I emailed shoo-in regards to this and was told that I would receive a refund of my $40+ and that a request would be submitted to refund my overdraft fee. Of course it’s been a month now and I cannot get a response from anyone anymore. I also tried reaching out through the chat…NOTHING. Please don’t give these people your money..BrownQSRVersion: 1.38

Ripped me offI downloaded the app and on the initial sign up page where it explains the fees I tapped X to close the page. Some apps let you pass the sign on screen so you can take a look but restricted. I started using the app thinking that it was probablya restricted free version and the price would pop back up eventually. I didn’t tap ok or anything in accepting the trial. At some point I forgot the app existed. Everything they offered wasn’t happening. I started cleaning out my phone beginning with deleting accounts so I would t get emails and then the app and that’s when I saw the annual fee. I contacted their customer service department and was told that my trial time had ended so I could be refunded but they would continue to monitor my accounts. I don’t need any one to monitor and well what about that you didn’t deliver? I requested a refund for at least half of the fee since I had an active account for a few months and was told they’d pass it up the ranks and see what they could do. Crickets…..SArr24Version: 1.44

Fraud at this pointMy husband and I were looking for a way to pay off credit card debt and be able to keep track. I found this app and almost instantly decided it wasn’t for us so I deleted it, thinking these accounts get deleted for inactivity after so long, say 3-6 months since I even thought about the app. This morning I check my account and see a charge from them. I go to support about it and they said I was charged for memeberships services which I did NOT authorize or signed up for. So they pretty much signed me up for services I didn’t want and used my bank information nearly 4-6 months later to charge. This is fraud and I will never use any app like this or anything else that offer this service because of my experience here. Support also claimed for it to be refunded in 3-4 business days. But if they just willingly took my information I had and charged me months later with no email confirmation or anything also. Then I doubt I’ll get the money back. DO NOT USE!!.KlgrjmVersion: 1.31

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