CFPB Consumer Complaint Profile
Bright Capital Inc
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 170
- Total complaints
- Mid-range
- 32
- Last 12 months
- 95.9%
- Timely response
- Below median
- 35
- States affected
The verdict
Bright Capital Inc ranks #1027 of 3,843 financial companies by CFPB complaint volume. Its on-time response record is at the 33rd percentile among companies with 100+ complaints.
- Debt or credit manag…
- most-complained product
- TX
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Bright Capital Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
95.9% Around the middle higher than 33% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 53 in 2024 to 37 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2022 | 5 |
| 2023 | 70 |
| 2024 | 53 |
| 2025 | 37 |
| 2026year in progress | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Bright Capital Inc
Bright Capital Inc draws a multi-regional spread of CFPB complaints, filed by consumers in many parts of the country. The single largest complaint category is "Debt or credit management," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Charged upfront or unexpected fees" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, the timely-response measure shows how often forwarded complaints get a reply. This company's rate clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Also handles Debt or credit management
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Bright Capital Inc have?
170 complaints have been filed against Bright Capital Inc with the CFPB overall - 32 of them in the past year.
Does Bright Capital Inc respond to complaints on time?
Bright Capital Inc has a 95.9% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Bright Capital Inc?
Among all products tied to Bright Capital Inc, "Debt or credit management" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Bright Capital Inc?
"Charged upfront or unexpected fees" is the single most frequently cited issue in complaints against Bright Capital Inc - see all issues and counts above.
How do I file a complaint against Bright Capital Inc?
You can file a complaint against Bright Capital Inc directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Bright Capital Inc?
Consumers in 35 states and territories have filed complaints about Bright Capital Inc with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.