Bright - Crush Your Card Debt 4+

Paid off my cards fast

This app has been amazing at helping me pay off my credit cards. I’m the type to see money in my account and find ways to spend it on things I can’t even remember I ordered until they arrive at the door. Bright started to take the money out of my account (you set the amount you want to always be left in your account so no worries about non sufficient funds when other items come out) and I didn’t even realize it was gone. I still spent frivolously the remainder I had left not realizing bright had taken quite a nice chunk. In 9 months I paid off 3 credit cards. All with balances over 7k and one with a 23k 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.

Coming for a real life mid aged adult, do not get this app!

I was charged for a membership before even creating a pin to log in, I was just browsing the app to see what features were offered, and since they do not consolidate credit I deleted the app thinking I was just looked at what they offered and created an account I can use in the future, it’s $10 dollars a month charge, which they never specified. (And you have to download the app, no website version) They ask you about your bank information first, where you get you most of your money and deposits from, now in your eyes it’s to give you an expectation on how much they can loan you to consolidate your credit, which is false. They create a “plan” for you to set a “goal” to help you pay down your credit. The app also said it rounds up purchases so you can save money in your saving account, only cool feature. But why on earth would they not specify they’re going to charge you the membership fee? Now I’m calling customer service and emailing support and have no reached anyone, the number on the website just fails immediately after dialing, and I’ve been waiting for an email for a couple days now, I’m requesting a refund for the membership charged that I did not know I was agreeing to. They ask you for your information to see your deposits, is what they say it’s for, BUT ITS TO CHARGE YOU. Good luck everyone, download at your own risk. Still waiting on an email or call from you BRIGHT MONEY support.

Developer Response ,

Hi Delilah, we sincerely apologize for this experience you've had. We have already sent the refund to your checking account as requested and emailed the confirmation on the same to your registered email address. Please let us know with your response if there is anything else we can do to get this changed for you. Thanks.

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!

Developer Response ,

Hi there, we're really sorry about the troubles you've had with the app so far. This is definitely not the experience we wanted you to have. As we're unable to locate your account, please connect with us over our escalation email grace.renee@brightmoney.co with your review handle name from your registered email address. We'll make sure to look into this for you. Thanks.