Bright Capital Inc
185 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Bright Capital Inc
Bright Capital Inc's 185 logged complaints stay concentrated: only 37 states show a filing on record. 72.4% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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.
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.
Frequently Asked Questions
How many CFPB complaints does Bright Capital Inc have?
185, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Bright Capital Inc respond to complaints on time?
90.8% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Bright Capital Inc?
"Charged upfront or unexpected fees", filed under the "Debt or credit management" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.