Consumer complaint received 2024-05-01
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Bright Capital Inc (DC)

I signed up for a Bright Money Account which is advertised to help pay down debt and improve credit through savings every month. Several months ago I was advertised for a XXXX credit line to pay down my high interest credit cards through the Bright App which I applied for and was accepted but then they kept citing " technical difficulties '' that I couldn't actually access this line of credit. After months of trying to contact customer service and countless emails, they said there was an issue with the third party creditor and asked me to provide the card number I wanted to apply the debt to. I finally received confirmation email on XX/XX/XXXX that {$5000.00} was used to pay down my XXXX XXXX XXXX  ending in XXXX and then another email XX/XX/XXXX that {$4000.00} was paid down to the same card. I received no such payments. I sent them notification immediately I lost that credit card halfway through the month and it was replaced with card ending in XXXX. This should not have been a problems as all of my other transactions and payments processed over to my new card INCLUDING a bright savings payment I personally made. I contacted Bright immediately with now hundreds of exchanges via email, chat, and phone calls saying I never received these payments. Yet it showed I now owed bright credit {$9000.00} for payments I never received. I can barely get anyone to respond to my emails or phone calls with their only response is the payment was made. I contacted XXXX  XXXX who had no such payment and requested the Bright Fax them a formal " proof of payment '' with my information and credit number they applied to so they could fax it. Bright has not contacted XXXX and said they can not do this because they dont have a fax. They said they opened their own investigation and all ive received since is an email that they sent the payment and I need to provide a credit card statement of my old card that was replaced which no bank does. I provided them the month credit card statement with the new card number on it and asked them to contact XXXX bank and they wont. On XX/XX/XXXX I received a payment unmarked to my credit card of {$5000.00}, not labeled from Bright so I have no confirmation and proof this came from them. Additionally I still am missing a {$4000.00} payment if that is the case. Again they wont respond to my emails and wont contact my bank with proof of payments. Now it is XX/XX/XXXX and they have sent me a statement with a minimum payment due for the outstanding {$9000.00} when I am still missing a {$4000.00} payment to my credit card and have not received proof that they are the ones who sent the unmarked {$5000.00}. It is now XX/XX/XXXX and without such payments, my rotating debt has now increased significantly because of this mistake and they will lower my credit score versus their promise of raising it. I can get no one to give me a straight answer on what they are doing to investigate this and when I will get a solution and they are not actually providing my bank a proof of payment to launch an investigation. Their customer service is not existent, they tell you they will call and they wont. I am afraid I have been scammed out of money and they have permanently made damage to my credit. I have only shared a fraction of our communications but please let me know what else you'll need.