Total CFPB complaints
51
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 51 complaints
Bright Capital Inc — Debt Collector Complaint Profile
CFPB complaint profile across 27 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Bright Capital Inc
- Charged upfront or unexpected fees
Charged upfront or unexpected fees
24 complaints
- Didn't provide services promised
Didn't provide services promised
12 complaints
- Problem with customer service 5
Problem with customer service
5 complaints
- Confusing or misleading advertising or marketing 4
Confusing or misleading advertising or marketing
4 complaints
- Attempts to collect debt not owed 2
Attempts to collect debt not owed
2 complaints
- Written notification about debt 2
Written notification about debt
2 complaints
D
Grade D · 55.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Bright Capital Inc?
Bright Capital Inc has accumulated 51 total CFPB complaints across 27 states, with 12 filed in the most recent 12 months against 39 historical complaints before that window. The trailing-12-month volume represents 23.5% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Charged upfront or unexpected fees", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 27 states, led by Texas with 6 and Florida with 6, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.4/100 places Bright Capital Inc in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
12
23.5% of total history
Stable →
States active
27
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Reputation grade
D
55.4/100 composite
Response-quality profile
How Bright Capital Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 48.2%
Share of US states + territories with at least one filed complaint against this collector.
How does Bright Capital Inc compare to its peers?
Bright Capital Inc National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2023-01 2026-01
Top Consumer Issues
Charged upfront or unexpected fees24 (%)
Didn't provide services promised12 (%)
Problem with customer service5 (%)
Confusing or misleading advertising or marketing4 (%)
Attempts to collect debt not owed2 (%)
Written notification about debt2 (%)
Took or threatened to take negative or legal action1 (%)
Unauthorized withdrawals or charges1 (%)
Most common issue: Charged upfront or unexpected fees
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Charged upfront or unexpected fees | — | 24 |
| Didn't provide services promised | — | 12 |
| Problem with customer service | — | 5 |
| Confusing or misleading advertising or marketing | — | 4 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Unauthorized withdrawals or charges | — | 1 |
Where do complaints against Bright Capital Inc come from?
The states where consumers have filed the most CFPB complaints against Bright Capital Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Bright Capital Inc
Across 27 states with at least one filing
- Texas
Texas
6 complaints
- Florida
Florida
6 complaints
- New York
New York
4 complaints
- Pennsylvania
Pennsylvania
4 complaints
- Kansas 2
Kansas
2 complaints
- Massachusetts 2
Massachusetts
2 complaints
- Maryland 2
Maryland
2 complaints
- California 2
California
2 complaints
Frequently Asked Questions
What is the most common complaint against Bright Capital Inc? ▼
The most common issue consumers report about Bright Capital Inc is "Charged upfront or unexpected fees". This is based on 51 complaints filed with the CFPB.
Are complaints against Bright Capital Inc increasing or decreasing? ▼
Complaints against Bright Capital Inc have been stable. The company received 12 complaints in the last 12 months.
What is Bright Capital Inc's reputation grade? ▼
Bright Capital Inc has a reputation grade of D (score: 55.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Bright Capital Inc respond to consumer complaints? ▼
Bright Capital Inc has a 98% timely response rate to CFPB complaints.
In how many states does Bright Capital Inc operate? ▼
Bright Capital Inc has received CFPB complaints from consumers in 27 states, with the most complaints from Texas (6 complaints).
What can I do if Bright Capital Inc is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Bright Capital Inc violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |