Brigit Class Action Lawsuit: FTC Refunds and the Waller Case

The Brigit class action lawsuit most people are searching for is actually a Federal Trade Commission enforcement action that ended in an $18 million settlement with Bridge It, Inc., the company behind the Brigit cash advance app. The FTC has been distributing that money to roughly 1.8 million affected users since November 2024, with a second round of payments sent in 2025. A separate private class action, Waller v. Bridge It Inc., was filed in January 2026 and remains in its earliest stages.

Why the FTC Sued Brigit

The FTC filed suit against Bridge It in the Southern District of New York on November 2, 2023, alleging violations of the FTC Act and the Restore Online Shoppers’ Confidence Act.¹ The agency’s complaint centered on three practices:

Brigit advertised cash advances of “up to $250,” but the FTC said roughly one percent of users actually received that amount and about twenty percent were denied any advance.²
After promising “free instant transfers,” the company began charging a $0.99 fee for expedited delivery; users who refused the fee waited up to three business days.¹
Users with an outstanding advance could not cancel the $9.99 monthly “Plus” subscription at all, and users without an open advance had to navigate multiple app pages, switch to the website, pick a reason for leaving, and click through retention prompts.²

Brigit did not contest the case. Judge Denise L. Cote signed a stipulated order on November 8, 2023, on a unanimous 3–0 Commission vote. The company was required to pay $18 million within seven days, funds it already held in escrow.³

Who Qualifies for a Refund

The FTC identified 1,818,930 Brigit members eligible for compensation from the settlement fund.⁴ You do not need to file a claim. The FTC and its refund administrator, Rust Consulting, Inc., used Brigit’s own records to identify affected subscribers and issue payments directly.

Individual refund amounts are small. The FTC has not published a per-person figure, but the first round distributed more than $9.8 million across the full eligible population, which works out to single-digit dollars for most recipients.⁴

How the Refunds Are Being Paid

The settlement fund has gone out in two rounds. The first round began November 18, 2024, distributing more than $9.8 million by PayPal.⁴

A second round in 2025 went only to consumers who accepted their first payment. The FTC sent 1,052,038 second-round payments totaling more than $6.8 million, delivered by both PayPal and mailed check.⁵

Deadlines matter. PayPal payments have to be accepted within 30 days of receipt. Checks must be cashed within 90 days. If you let a payment expire, the money goes back into the fund.⁵

What to Do If You Think You Missed a Payment

If you were a Brigit subscriber during the relevant period and never received a PayPal payment or check, or you’re not sure whether one arrived, contact the refund administrator, Rust Consulting, through the FTC’s Brigit Refunds page.⁵ The FTC warns that it never asks consumers to pay money or provide account information to receive a refund; anyone who does is a scammer.

The 2026 Waller Class Action

Separate from the FTC settlement, plaintiff Wilfreda Waller filed a private class action against Bridge It in January 2026 in the U.S. District Court for the Northern District of Georgia. The complaint alleges Brigit continued to enroll users in paid memberships without clear consent and continued to use dark patterns to obstruct cancellation, even after the FTC order.⁶

Waller says unauthorized charges hit her account in December 2024 and January 2025 and led to the closure of her credit union account over insufficient-funds fees. The suit brings claims under automatic renewal laws, consumer protection statutes, and unjust enrichment, and seeks injunctive relief, restitution, and damages.⁶

The case is not yet a certified class, and there is no settlement or claims process to join. As of early April 2026, the docket showed only service of process and attorney admissions; no class certification motion, no substantive rulings.⁷ If a class is later certified and includes you, notice would come from the court-appointed administrator.

What Brigit Looks Like Now

Brigit is still operating. The old $9.99 “Plus” plan has been replaced by a “Plus” tier at $8.99 per month and a “Premium” tier at $15.99 per month that includes free express delivery and credit-building features.⁸ Under the FTC order, the company must clearly disclose subscription terms before collecting billing information, obtain express informed consent for charges, and provide a simple cancellation path.⁹

If you want to cancel today, you can do it through the app or the website, but two things to know: users with an open Credit Builder loan have to close it first, and Brigit says it “typically charges at the end of the billing cycle,” so a cancellation partway through the month may not stop the current month’s charge.¹⁰ Brigit also now allows advance requests without a subscription, but only by emailing the company.⁸

1
FTC. FTC Action Leads to $18 Million in Refunds for Brigit Consumers
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Kelley Drye. FTC Alleges Fintech Provider Engaged in Dark Patterns, Concealed Fees for Cash Advances
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CourtListener. Federal Trade Commission v. Bridge It, Inc.
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FTC. FTC Sends More Than $17 Million to Consumers Harmed by Brigit
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FTC. Brigit Refunds
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Top Class Actions. Class Action Claims Brigit Used Illegal Automatic Renewals to Charge Users
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CourtListener. Waller v. Bridge It, Inc.
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NerdWallet. Brigit Cash Advance
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FTC. Stipulated Order for Permanent Injunction, Monetary Judgment, and Other Relief
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Brigit. How Do I Cancel or Downgrade My Brigit Subscription