CFPB · Diversified product mix
Bright Capital Inc
185 CFPB complaints · diversified mix (top product 25.4%) · top issue Charged upfront or unexpected fees.
Bright Capital Inc: top product "Debt or credit management" is only 25.4% of 185 - multi-bucket mix. Timely 90.8% · relief 0.5%. Allegations, not findings.
- Diversified product mix
- +300% filings 2022 to 2026
CFPB relief outcome brief
CCDB company bright-capital-inc
0.5% relief · 90.8% timely · 185 filings · Debt or credit management
Same-product relief peers
Nearest relief peer: Consumer Financial Services Solutions, Inc. (0.6% relief)
Bright Capital Inc closes 0.5% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Bright Capital Inc's 185 filings include narrative text
72.4% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Bright Capital Inc complaint mix by product
- Debt or 47 26.7% – 0% relief
- Credit reporting 35 19.9% – 0% relief
- Checking or 34 19.3% – 0% relief
- Credit reporting, 27 15.3% – 0% relief
- Payday loan, 15 8.5% – 0% relief
- Money transfer, 11 6.3% – 0% relief
- Debt collection 7 4.0% – 14% relief
How Bright Capital Inc's 185 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt or credit management | 47 |
| Credit reporting or other personal consumer reports | 35 |
| Checking or savings account | 34 |
| Credit reporting, credit repair services, or other personal consumer reports | 27 |
| Payday loan, title loan, personal loan, or advance loan | 15 |
| Money transfer, virtual currency, or money service | 11 |
| Debt collection | 7 |
| Credit card | 4 |
| Payday loan, title loan, or personal loan | 3 |
| Credit card or prepaid card | 1 |
| Prepaid card | 1 |
Where Bright Capital Inc complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 14.1% of this company's filings
Bright Capital Inc rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 20
- +300% vs 2022
Top States
| State | Complaints |
|---|---|
| TX | 26 |
| FL | 21 |
| PA | 11 |
| VA | 10 |
| NY | 10 |
| NJ | 9 |
| IL | 8 |
| MD | 7 |
| OH | 6 |
| NC | 6 |
| GA | 6 |
| CA | 6 |
| MI | 6 |
| TN | 4 |
| WA | 4 |
| KS | 4 |
| DC | 4 |
| MO | 3 |
| AK | 3 |
| OK | 3 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged upfront or unexpected fees | 24 |
| Incorrect information on your report | 23 |
| Problem with a lender or other company charging your account | 18 |
| Didn't provide services promised | 12 |
| Improper use of your report | 11 |
| Problem with customer service | 11 |
| Fraud or scam | 9 |
| Confusing or misleading advertising or marketing | 7 |
| Managing an account | 7 |
| Charged fees or interest you didn't expect | 7 |
| Closing an account | 6 |
| Problem with a company's investigation into an existing problem | 5 |
| Unexpected or other fees | 5 |
| Problem caused by your funds being low | 3 |
| Problem with additional add-on products or services | 3 |
| Attempts to collect debt not owed | 3 |
| Problem when making payments | 3 |
| Trouble accessing funds in your mobile or digital wallet | 3 |
| Problem with fraud alerts or security freezes | 2 |
| Other features, terms, or problems | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2022 | 5 | 100% |
| 2023 | 70 | 100% |
| 2024 | 53 | 96.2% |
| 2025 | 37 | 89.2% |
| 2026 | 20 | 45% |
Source: CFPB Consumer Complaint Database
Bright Capital Inc spreads across product buckets
Bright Capital Inc's 185 logged complaints stay concentrated: only 37 states show a filing. 72.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2022 through 2026-06-24.
Bright Capital Inc answers 90.8% of complaints inside the CFPB's tracked window and closes 97.3% with a written explanation. 0.5% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt or credit management" draws the most filings, most often for "Charged upfront or unexpected fees."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Bright Capital Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Bright Capital Inc: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 185.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 90.8%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Bright Capital Inc (90.8% timely; 0.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix