Reviews for Bright Money – AI Debt Manager

So far this app sucks. I completed the 5 step program to unlock a limit up to 8000 for balance transfers but it's just stuck. It hasn't unlocked anything. I've had it for 3 months. I'll pay for 3 more months but after that, I'm more than likely gonna cancel. No one has answered me for the past 2 weeks to even help me resolve my issue! I would not recommend this app unless you have patience and don't need the money or balance transfer.

It was great at first, but something has happened in the last month, and the safeguards have stopped working. I have received 12 overdraft fees in the past 3 weeks because the app is over pulling past my limit. Update: I still have not received my money back. It's has been almost a month. The person who reached out on here responded to one email which was no help and was in its customer service, and if they do, they do not care. AVOID THIS APP! Update: 2 months later and still no support.

So far, so garbage. They advertise this app as a way to build credit, but then they make you deal with debits that aren't clearly scheduled, and then you have to apply for another program - after they debit you 5 times!? The app asked when to take money out. I chose, but it decided not to do it. Customer service is telling me that their "AI" will deduct it when it's best for me!? That's the dumbest thing I've ever heard. Unless they give me a schedule, I'm canceling! Trash

Bright Money is a good resource for building credit in a simple way. If you struggle to make payments on time for credit cards, they have a program that will do so for you with money you can't touch. And at the end it's yours to keep (because they saved it for you from your income) and you've got a credit line you can start with them. Just be aware there's a "nominal" fee that's easy to miss and be charged for later on. That blindsided me a bit when it happened, but beyond that it's been good.

The intent of the app is admirable, but I was unable to put all of my accounts into Bright to pay automatically, and as a result, the app would automatically deduct money from my account that was meant to pay other bills, leaving me repeatedly short. I had to start "hiding" my money in savings and transferring when I thought it would be deducted. I do not believe the algo is really intelligent enough to read the past activity on your account and determine your true money usage patterns, otherwise it would know when large amounts of money were pending for other regular bill payments.

Was fine in the beginning, but after it started paying my credit card and I was paying at the same time. It ends up over paying the credit card. When you go to get a refund, you can't get ONE if you don't like it after 14 DAYS!! YOU barely get it set up in 14 days. The only thing the app does is take out transactions from your bank to their app in that time frame. You don't really get to see it doing to much until about a month.

I was able to add most of my accounts, then the app closed and I've been trying unsuccessfully to gain access again for hours. Edit: I contacted Bright as requested and they simply told me to wait 24 hours and try again. I was able to finally get back into my account without their assistance and when I was going through the settings, see that they had proactively signed me up for a $9.99 a month plan that I cannot cancel through the app. Never was divulged during signup.

Horrible, they take all your info from your bank and you cards to have you connect for them to tell you that you don't qualify for a balance transfer. You give them access to all your bank info. For accounts they don't need access too, they pull all your credit info EVERYTHING. It's like a financial probing. Go with Tally . They let you know if your approved and you add the cards. This was a horrible experience. I wish I could attach screenshots to this review to help others.

Find an Alternative I thought I'd look into trying out the app. I decided it wasn't for me, and did not go any further. Suddenly, out of the blue, months later, money is being transfered, and I'm getting notifications. I try to log into the app and it hangs on authentication. I try calling, and the call always drops. I contacted my bank to block any more withdrawal attempts. Don't use this app.

Bright started taking out too much money from my checking account, often leaving it negative. Yet my "stash" didn't seem to reflect that amount. I had to pause auto savings for two months, because the "safety net" doesn't work, and there's no warning of funds being transferred. Customer service is dreadful. I have to repay the $300 dollar loan I "opted for" without any record of how much I've paid on it already. It's unclear what you're signing up for with this app. Only left me more in dept.