Total CFPB complaints
28
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 28 complaints
Brightwater Capital, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 14 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Brightwater Capital, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
8 complaints
- Written notification about debt
Written notification about debt
5 complaints
- False statements or representation
False statements or representation
4 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
- Communication tactics 2
Communication tactics
2 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
C
Grade C · 60.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Brightwater Capital, LLC?
Brightwater Capital, LLC has accumulated 28 total CFPB complaints across 14 states, with 2 filed in the most recent 12 months against 26 historical complaints before that window. The trailing-12-month volume represents 7.1% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 68% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 14 states, led by Texas with 5 and Florida with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.4/100 places Brightwater Capital, LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2
7.1% of total history
Falling ↓
States active
14
Distinct state filings
Timely response rate
68%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
C
60.4/100 composite
Response-quality profile
How Brightwater Capital, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 67.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 25.0%
Share of US states + territories with at least one filed complaint against this collector.
How does Brightwater Capital, LLC compare to its peers?
Brightwater Capital, L… 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)
2013-10 2025-06
Top Consumer Issues
Attempts to collect debt not owed8 (%)
False statements or representation4 (%)
Written notification about debt5 (%)
Disclosure verification of debt2 (%)
Communication tactics2 (%)
Threatened to contact someone or share information improperly1 (%)
Cont'd attempts collect debt not owed1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 4 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Communication tactics | Used obscene/profane/abusive language | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
Where do complaints against Brightwater Capital, LLC come from?
The states where consumers have filed the most CFPB complaints against Brightwater Capital, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Brightwater Capital, LLC
Across 14 states with at least one filing
- Texas
Texas
5 complaints
- Florida
Florida
3 complaints
- North Carolina
North Carolina
3 complaints
- Pennsylvania
Pennsylvania
2 complaints
- Georgia
Georgia
2 complaints
- Illinois
Illinois
2 complaints
- Ohio
Ohio
2 complaints
- California
California
2 complaints
Frequently Asked Questions
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 2 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: 60.4/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Brightwater Capital, LLC 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 Brightwater Capital, LLC 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 |