|
11759075
|
2025-01-24
|
Didn't provide services promised
|
Debt or credit management
|
|
| Tags |
Older American
|
| Issue |
Didn't provide services promised
|
| Timely |
Yes
|
| Company |
Bright Capital Inc
|
| Product |
Debt or credit management
|
| Sub Product |
Debt settlement
|
| Date Received |
2025-01-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-24
|
|
|
7193894
|
2023-06-29
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Bright Capital Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-06-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8050020
|
2023-12-22
|
Charged upfront or unexpected fees
|
Debt or credit management
|
|
| Issue |
Charged upfront or unexpected fees
|
| Timely |
Yes
|
| Company |
Bright Capital Inc
|
| Product |
Debt or credit management
|
| Sub Product |
Debt settlement
|
| Date Received |
2023-12-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-22
|
| Complaint What Happened |
On XX/XX/2023, Bright Money made an unauthorized payment on my XXXX XXXX XXXXXXXX XXXX XXXX XXXX. My card ending in XXXX was credited {$2000.00} and my other card ending in XXXX was credited {$990.00}. I discovered this happened on XX/XX/XXXX. I immediately tried to contact Bright Money via phone/ email to address these unauthorized payments-which was unsuccessful until Bright Money called me to let me know I had increased my credit line. The unauthorized payments were brought to their attention. Bright Money app is advertised as your super app for deleting any debt, with 92k reviews with 4.8 stars on the app store. I used Bright Money in XXXX of this year to help pay off credit card debt with a lower interest rate. The payments made on XX/XX/2023, were unauthorized!
On XX/XX/XXXX I also contacted XXXX XXXX XXXX in desperation looking for help. At this time, I started to think I was scammed, and that Bright Money wouldnt contact me. On my call with XXXX, I was told that the payments couldnt be returned and that they would dispute them as an overpayment. When I received the letter from XXXX on XX/XX/XXXX, I understood it as a payment adjustment and didnt know that a check of {$2000.00} had been sent to Bright Money.
Ive attached all my emails since XXXX with Bright Money. Not once did anyone tell me that they had received a check from XXXX. In fact, I was told that the only way to reverse this was to have Bright Money charge the amounts back to my cards. The charges were finally reversed on XX/XX/XXXX, after being declined 3 times. On one of my many calls with XXXX about these charges, I addressed my concern about the payment adjustment of {$2000.00} on card XXXX. I was told that fraud would catch it and adjust it once the chargeback from Bright Money went through.
I called XXXX on XX/XX/2023, to address the payment adjustment of {$2000.00}. On this call I was told that a check was sent to Bright Money of {$2000.00}. As of XX/XX/2023, XXXX has declined my claims twice of this error and Bright Money sent me a refund of only {$670.00}. Bright money still owes me {$1400.00}.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7471787
|
2023-08-29
|
Charged upfront or unexpected fees
|
Debt or credit management
|
|
| Issue |
Charged upfront or unexpected fees
|
| Timely |
Yes
|
| Company |
Bright Capital Inc
|
| Product |
Debt or credit management
|
| Sub Product |
Credit repair services
|
| Date Received |
2023-08-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-30
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9042594
|
2024-05-18
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Bright Capital Inc
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Payday loan
|
| Date Received |
2024-05-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-18
|
| Complaint What Happened |
On XX/XX/XXXX bright money the company took a fee of XXXX dollars from my checking account. I did not authorize this transaction
|
| Consumer Consent Provided |
Consent provided
|
|
|
11892789
|
2025-02-02
|
Problem with a lender or other company charging your account
|
Checking or savings account
|
|
| Issue |
Problem with a lender or other company charging your account
|
| Timely |
Yes
|
| Company |
Bright Capital Inc
|
| Product |
Checking or savings account
|
| Sub Issue |
Transaction was not authorized
|
| Sub Product |
Checking account
|
| Date Received |
2025-02-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-02
|
|
|
12660621
|
2025-03-23
|
Problem with customer service
|
Debt or credit management
|
|
| Tags |
Older American
|
| Issue |
Problem with customer service
|
| Timely |
No
|
| Company |
Bright Capital Inc
|
| Product |
Debt or credit management
|
| Sub Product |
Debt settlement
|
| Date Received |
2025-03-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-23
|
|
