CFPB Consumer Complaint Profile
Brightwater Capital, LLC
Consumers have filed 41 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 41
- Total complaints
- Mid-range
- 4
- Last 12 months
- 63.4%
- Timely response
- Bottom decile
- 17
- States affected
The verdict
Brightwater Capital, LLC ranks #2018 of 3,843 financial companies by CFPB complaint volume, with 41 complaints on record. It posts a 63.4% on-time response rate, the 4th percentile among companies with 100+ complaints.
- #2018
- of 3,843 companies by volume
- 63.4%
- on time (4th pctile)
- Debt collection
- most-complained product
- 17
- states with complaints
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.
Brightwater Capital, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
63.4% Among the lowest higher than 4% 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
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 2 |
| 2015 | 5 |
| 2016 | 1 |
| 2017 | 2 |
| 2018 | 6 |
| 2019 | 1 |
| 2020 | 1 |
| 2021 | 2 |
| 2022 | 1 |
| 2023 | 5 |
| 2024 | 7 |
| 2025 | 8 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Brightwater Capital, LLC
The CFPB Consumer Complaint Database has logged 41 complaints against Brightwater Capital, LLC overall, with 4 of those filed in the trailing 12 months. Reports have come from consumers in 17 states and territories, making this a multi-regional complaint footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
Brightwater Capital, LLC's timely response rate stands at 63.4%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 4.9%.
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.
Frequently Asked Questions
How many CFPB complaints does Brightwater Capital, LLC have?
Brightwater Capital, LLC has 41 total consumer complaints filed with the CFPB, with 4 filed in the last 12 months.
Does Brightwater Capital, LLC respond to complaints on time?
Brightwater Capital, LLC has a 63.4% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Brightwater Capital, LLC?
Among all products tied to Brightwater Capital, LLC, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Brightwater Capital, LLC?
The most common issue reported by consumers about Brightwater Capital, LLC is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against Brightwater Capital, LLC?
You can file a complaint against Brightwater Capital, LLC 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 Brightwater Capital, LLC?
Consumers in 17 states and territories have filed complaints about Brightwater Capital, LLC 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Brightwater Capital, LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.