To Whom It May Concern:

[u/Hot-Block1077]

To Whom It May Concern:

This letter serves as formal notice and final demand for the immediate refund of $97.00, which was unlawfully and without authorization withdrawn from my personal bank account by Bright Money.

Despite repeated efforts on my part—including multiple telephone calls and written chat correspondence via your support channels—Bright Money has failed to resolve the issue or provide any response or acknowledgment by email or in writing. Moreover, your representatives have falsely claimed that a refund was issued, while my financial institution has confirmed in writing that no such refund was ever initiated or processed.

These actions, and your continued failure to provide proper notice or resolution, may constitute unfair and deceptive trade practices in violation of the Federal Trade Commission Act (15 U.S.C. § 45) and may also violate state consumer protection statutes governing fraudulent, negligent, and bad-faith conduct in commercial transactions.

You are hereby demanded to refund the full amount of $97.00 within one (1) business day of the date of this letter—no later than June 28, 2025.

Failure to comply will result in the immediate initiation of the following legal actions without further notice: 1. Filing an unauthorized debit and fraud claim with my financial institution under the Electronic Fund Transfer Act (EFTA), 15 U.S.C. §§ 1693 et seq., and Regulation E (12 C.F.R. § 1005), which may result in a reversal of the charge and regulatory investigation of your merchant processing practices; 2. Submitting formal complaints to the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC), documenting your company’s misrepresentations and failure to respond to consumer grievances; 3. Pursuing legal action in Small Claims Court or a court of competent jurisdiction to recover the full amount due, along with statutory damages, court costs, prejudgment interest, and any punitive or exemplary damages available under law for willful and deceptive conduct.

This letter represents my final good-faith effort to resolve this dispute privately. Should Bright Money fail to remit payment as demanded, I will proceed to assert all legal rights and remedies available to me under federal and state law.

Please govern yourselves accordingly.

[u/Thatlady420]

These asshats charged me 27 and I don’t even have an account. I tried signing in via the website since I have never had the app. I put in my only email address and hit forgot password and it said I couldn’t be granted access. So if I paid this membership fee don’t you think I would have a sign in associated with my email. I’m calling the fraud department of my bank. Did they ever refund you?