What is the most common complaint against Brightwater Capital, LLC?

The most common issue consumers report about Brightwater Capital, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 28 complaints filed with the CFPB.

Are complaints against Brightwater Capital, LLC increasing or decreasing?

Complaints against Brightwater Capital, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Brightwater Capital, LLC's reputation grade?

Brightwater Capital, LLC has a reputation grade of C (score: 56.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Brightwater Capital, LLC respond to consumer complaints?

Brightwater Capital, LLC has a 68% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Brightwater Capital, LLC operate?

Brightwater Capital, LLC has received CFPB complaints from consumers in 14 states, with the most complaints from Texas (5 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Brightwater Capital, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

8
Written notification about debt

5
False statements or representation

5
Communication tactics

4
Took or threatened to take negative or legal action

2
Disclosure verification of debt

2

Data updated September 2026

CFPB complaint disposition

CCDB record brightwater-capital-llc Brightwater Capital, LLC

Grade C · 28 CFPB filings · 68% timely · lead issue: Attempts to collect debt not owed · vol #1583 · compose #3061

VOL 28
GRADE C
12MO 0
STATES 14
TIMELY 68%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #1,583
COMPOSE #3,061

Volume peers

Nearest volume peer: Access Capital Services, Inc. (28 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Brightwater Capital, LLC's 28 CFPB complaints sit next to Access Capital Services, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Texas is the plurality state for Brightwater Capital, LLC (17.9%)

Volume rank #1,583 and composite rank #3,061 diverge by 1,478 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 17.9%; Mid-band (15–30%) · 14 states with ≥1 filing
Seasonal peak: 2025-01 9.4%; 8–15% band · 5 filings
Divergent corpus ranks: #1,583 volume; #3,061 composite; Cleanest-composite ladder is 1,478 places worse than volume

How does Brightwater Capital, LLC compare to its peers?

How does Brightwater Capital, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Brightwater Capital, L… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

68%

82%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-08 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	8
Written notification about debt	5
False statements or representation	5
Communication tactics	4
Took or threatened to take negative or legal action	2
Disclosure verification of debt	2
Cont'd attempts collect debt not owed	1
Threatened to contact someone or share information improperly	1

Where do complaints against Brightwater Capital, LLC come from?

Brightwater Capital, LLC's own per-state count, not a national baseline.

Texas

5
Florida

3
North Carolina

3
California

2
Georgia

2
Illinois

2
Ohio

2
Pennsylvania

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Brightwater Capital, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 28.

4 peers

Know your rights before responding to Brightwater Capital, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.