Be Money, Inc. (DBA Daylight) CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
07/31/2023 No
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • TX
  • 78232
Web
Companies involved include XXXX and their banking as a service partner bank XXXX, XXXX XXXX and their partner bank have knowingly and purposely withheld over {$300.00} from me for over a month, and have now stated that it will be another month before I receive a final check -- despite stating that XX/XX/2023 was the final date of XXXX XXXX business. A timeline and breakdown of the events : On XX/XX/2023 I was notified via email that XXXX was closing. In this email, two things were stated by XXXX : 1 ) Account would be closed on XX/XX/2023 XXXX ) New funds could only be deposited until XX/XX/2023 ( which had already passed at the time of this email being sent to me on XX/XX/2023 ). The XX/XX/2023 email is the FIRST correspondence from XXXX about them closing down as a business. I confirmed my address and asked them to please send me a check, as I could no longer access the funds in the account. On XX/XX/2023, customer service rep " XXXX '' messaged back saying " Your address has been updated so you are all set. I hope you have a great rest of your week! '' On XX/XX/2023, I received a new DEBIT CARD in the mail. This confused me as it was contradictory to the fact that a check was being sent and that XXXX was closing down as a business. I messaged in on XX/XX/2023 and notified them, as well as inquired about when I would receive the check. The message was read within 1 hour. However, I received no response. On XX/XX/2023, I reached out again. I asked for a status update on my check, and asked if I could setup an external transfer to pull my funds out of the XXXX checking account instead. Both my XX/XX/2023 and XX/XX/2023 messages to customer support showed that they were being received and read by XXXX, but I received no response from them. Today ( XX/XX/2023 ), I logged back in once more to see about an update as I have still not received any final check containing my funds. Upon logging in today, I received an error message stating " no account found ''. Despite the error, it did show me my prior conversations with XXXX customer support. I messaged in once more, and I received an almost immediate response stating that I had never contacted them before, and they had no record of any prior conversations. This is a false statement, as I have literal screenshots ( and an email receipt ) of my past conversations with the XXXX team. The same customer rep " XXXX '' wrote me back stating that as of XX/XX/2023, my check won't be sent for approximately another 2 weeks. She then asked me to confirm my address -- all of which was done previously. Full transparency - by the time they actually issue the check I will have moved addresses ; so I had to provide my new address ( which is not inline with the address I had on file ). I am notating that here in the complaint because I am just assuming that will also somehow delay things even further. Upon my writing back to give her an updated address, the chat was DELETED once again by XXXX. I had to initiate a new chat again, and go through all the motions once more. I am not confident that my address is actually updated, nor that I will ever receive a final check for my $ XXXX dollars that are currently in my XXXX account. Every time XXXX responds, the timeline is pushed out further and further. At this point it seems as if XXXX is purposely withholding my funds.
01/30/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Unable to open an account
  • SC
  • 29745
Web
I'm basically trying to ask questions about this Daylight bank and I'm being discriminated against just because I'm apparently not a XXXX of which they have categorized these people into some different categories even to hide themselves from the fact that they are in fact XXXX. So because I'm not a XXXX or XXXX it seems, they are refusing to answer my questions and instead I got the response " I'm sorry your brain is not developed enough to understand the difference between XXXX and XXXX. Kind of impressed that you even know how to spell XXXX. '' My question said nothing about XXXX or XXXX, and I only mentioned XXXX XXXX after the initial response was an automated robot. Apparently this whole XXXX thing is something they have coded into ideally something the real world can't understand, and so as someone who isn't XXXX, I have to question this type of stuff to understand it and that's not allowed apparently as it's clearly discrimination based on my XXXX XXXX, in that it does not fit their needs, and even questioning them seems to be offensive, despite the fact they are the ones openly displaying affectionate XXXX images to advertise what they call a bank... but to question this, you're met with direct discrimination as they are clearly assuming I'm straight which they'd be correct, but it's amazing that banks would be allowed to stigmatize people just because they do not fit into their XXXX preference. A group of people wanting to be accepted openly discriminates and stigmatizes people because they are obviously full of hate. They want others to accept them for who they are and yet even when others accept them, they can't accept themselves. I never thought questioning a XXXX advertised bank about the sexuality policies would lead to this, as I'm questioning because I would like to know to sign up for an account because of other reasons their system can benefit me, but this is literally the response from them after I question their advertising content, and it's safe to assume if you are of XXXX XXXX orientation and are not a XXXX or XXXX person, then this bank will hate you and probably mess with your banking.
08/29/2023 No
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • TX
  • 78664
Web
I obtained a debit/credit card called Daylight. They were strictly a mobile banking entity and did not have a brick & mortal bank location. The card closed operations in XXXX of this year and I had a savings balance with them of {$6300.00}. I followed their instructions on how to transfer my balance to another account between XX/XX/2023 & XX/XX/2023 ( splitting it up over 4 transfers : {$2000.00}, {$2000.00}, {$2000.00}, {$330.00} ) but they pulled the funds back between XX/XX/2023 & XX/XX/2023 and now the website and mobile app are no longer available. I do not know how or who to contact to get my money. I believe the backing bank was called XXXX, XXXX. and their routing number is XXXX. I am out {$6300.00}. Please help me get my money back. Here are some links : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX