Consumer complaint received 2024-08-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc
State: NV

Complaint narrative:
This company called Bright Money has been taking money from my checking account since XXXX. I have another monthly debit that comes from my account that starts with XXXX, thus I did not notice this right away. Once I did I reached out to the company, via chat on XXXX. I worked with an agent named XXXX. I asked her what this company was and she stated they put money aside from my checking account and make timely payments to my credit cards. I advised her that I did not have credit cards in XXXX an this would not have been a service that I signed up for. They charged {$9.00} each month starting on XXXX - XXXX = {$49.00}. They also charged me the full year of XXXX each month at {$9.00} x XXXX = {$110.00}. In XXXX they charges me {$9.00} for XXXX and XXXX = {$19.00}. Then in XXXX - XX/XX/XXXX they charged me {$14.00} each month = {$56.00}. There were also so random XXXX cent charges on my account on the following dates XX/XX/XXXX - XXXX charges of {$0.00} XX/XX/XXXX = XXXX charges of {$0.00} XX/XX/XXXX = XXXX charge of {$0.00} XX/XX/XXXX = XXXX charge of {$0.00} XXXX am requested all my money be refunded in the amount of {$240.00} and I am also asking for additional reimbursement for all my time wasted on this matter. I am requesting the amount to be doubled {$240.00} - money taken from my account. {$240.00} - for illegally taking money from my account without my consent, not returning it in a timely matter, and for all the time I have had to put into this to try and get a resolution. I also confirmed with the agent, that no money was ever pulled from my account to save for credit payments, and that I was just being charged a monthly fee. She also confirmed that I did not have any credit cards linked. XXXX also checked my recorded and my phone was replaced right before these transactions took place on XX/XX/XXXX. The device was not able to power on, so I was not ever able to hard reset it. I am not sure who or how this company got my information, but I want my money back. I see that there are tons of complaints about this company and it's unethical business practices. I have never given Bright Money permission to take out or sign me up for any services. Especially, XXXX that I could not ever utilize. I have requested a refund from the company, I also requested info on how this information was obtained, along with a escalation to a higher level to follow up with me regarding my concerns and refund request. The agent told me she would check with her team and get back to me via email. This never happened. She advised that she would refund the latest charge of {$14.00}, but nothing else would be refunded. This company should be ashamed of themselves and stealing money from hard working people, all while not even providing a service. I hope this complaint makes things better for other people as well. I am also requesting that they delete my account and any personal information that they XXXX have, as I did not provide it to them with my consent. However it was obtained was under false pretenses. This company XXXX BRIGHT MONEY, but at the bottom of their website it says - Bright Capital Inc. The website is brightmoney.co.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation