CFPB · Narrative-heavy record
Brightwater Capital, LLC
41 CFPB complaints · 41.5% with narratives · top issue Incorrect information on your report.
Brightwater Capital, LLC: 41.5% of 41 filings include consumer narratives. Timely 63.4% · relief 4.9% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- +300% filings 2013 to 2025
CFPB relief outcome brief
CCDB company brightwater-capital-llc
4.9% relief · 63.4% timely · 41 filings · Debt collection
Same-product relief peers
Nearest relief peer: TSC Accounts Receivable Solutions (4.9% relief)
Brightwater Capital, LLC closes 4.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Brightwater Capital, LLC's 41 filings include narrative text
41.5% 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.
Brightwater Capital, LLC complaint mix by product
- Debt collection 28 68.3% – 7% relief
- Credit reporting 7 17.1% – 0% relief
- Credit reporting, 4 9.8% – 0% relief
- Payday loan 1 2.4% – 0% relief
- Credit card 1 2.4% – 0% relief
How Brightwater Capital, LLC's 41 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 28 |
| Credit reporting or other personal consumer reports | 7 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
| Payday loan | 1 |
| Credit card | 1 |
Where Brightwater Capital, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 26.8% of this company's filings
Brightwater Capital, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2025
- 8
- +300% vs 2013
Top States
| State | Complaints |
|---|---|
| TX | 11 |
| NC | 4 |
| FL | 4 |
| IL | 3 |
| CA | 3 |
| OH | 2 |
| PA | 2 |
| GA | 2 |
| VA | 1 |
| SC | 1 |
| MA | 1 |
| NV | 1 |
| AL | 1 |
| AZ | 1 |
| MD | 1 |
| OK | 1 |
| KS | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 8 |
| Attempts to collect debt not owed | 8 |
| Written notification about debt | 5 |
| False statements or representation | 5 |
| Communication tactics | 4 |
| Problem with a company's investigation into an existing problem | 3 |
| Disclosure verification of debt | 2 |
| Took or threatened to take negative or legal action | 2 |
| Can't contact lender | 1 |
| Bankruptcy | 1 |
| Cont'd attempts collect debt not owed | 1 |
| Threatened to contact someone or share information improperly | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 2 | 100% |
| 2015 | 5 | 80% |
| 2016 | 1 | 0% |
| 2017 | 2 | 50% |
| 2018 | 6 | 100% |
| 2019 | 1 | 100% |
| 2020 | 1 | 100% |
| 2021 | 2 | 100% |
| 2022 | 1 | 100% |
| 2023 | 5 | 100% |
| 2024 | 7 | 28.6% |
| 2025 | 8 | 12.5% |
Source: CFPB Consumer Complaint Database
Brightwater Capital, LLC's narrative-rich complaint ledger
Brightwater Capital, LLC's 41 logged complaints stay concentrated: only 17 states show a filing. 41.5% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2025-07-11.
Brightwater Capital, LLC answers 63.4% of complaints inside the CFPB's tracked window and closes 80.5% with a written explanation. 4.9% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Incorrect information on your report."
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 Brightwater Capital, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Brightwater Capital, LLC: 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: 41.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 63.4%.
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 Brightwater Capital, LLC (63.4% timely; 4.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record