Credit bureau · complaint record
Brightwater Capital complaints
Filed under Brightwater Capital, LLC
Consumers have filed 42 complaints about Brightwater Capital since 2013, 1 of them in the last 12 months (-90% on the year before). It answered 0% on time and closed 5% with relief for the customer. The most common problem is incorrect information on your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 42
- Last 12 months
- 1
- Answered on time
- 0%
- Closed with relief
- 5%
- Last 30 days
- 0
- Rank
- #418 of 566
Since October 2013
-90% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Oct 14, 2026
Most complained-about credit bureaus & report companies
Brightwater Capital complaints by month
The busiest month was March 2025 (3 complaints). Complaints in the last 12 months are down 90% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Brightwater Capital answered all time
- Closed with monetary relief12.4%
- Closed with non-monetary relief12.4%
- Closed with explanation3378.6%
- Closed511.9%
- Untimely response24.8%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Brightwater Capital complaints are about
Top Brightwater Capital problems
Inside "Incorrect information on your report"
- Information belongs to someone else 6
- Account status incorrect 2
- Account information incorrect 1
Where Brightwater Capital complaints come from
Most complaints: Texas (11), North Carolina (4), Florida (4), Illinois (3), California (3).
Brightwater Capital compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | Brightwater CapitalCredit reporting | - | 1 | - |
Compare side by side: Brightwater Capital vs Apple Financing · Brightwater Capital vs Nav Technologies · Brightwater Capital vs Opportunity Fund · Brightwater Capital vs Heritage Financial Group
What people say about Brightwater Capital
All experiencesNo experiences with Brightwater Capital yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Brightwater Capital complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 14, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | No timely reply |
| Jul 11, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jun 3, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Apr 22, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 28, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Mar 24, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Mar 17, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 3, 2025 | Credit reporting | Problem with a company's investigation into an existing problemWas not notified of investigation status or results | Explained |
| Jan 3, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Dec 16, 2024 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 19, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| Oct 21, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
Questions about Brightwater Capital
How many complaints does Brightwater Capital have?
Brightwater Capital has 42 complaints on record since October 2013, including 1 in the last 12 months and 0 in the last 30 days. That makes it number 3,042 of every company by complaints this year.
Does Brightwater Capital respond to complaints?
Yes. Brightwater Capital answered 0% of its complaints on time (within 15 days) and closed 5% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Brightwater Capital?
The most common problems are incorrect information on your report (9), attempts to collect debt not owed (8), false statements or representation (5).
Is Brightwater Capital legit?
Brightwater Capital is a real company with a public complaint record: consumers have complained about it 42 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Brightwater Capital legit? for the signals, red flags and how to protect yourself.
Are complaints about Brightwater Capital going up or down?
Down. There were 1 complaints in the last 12 months against 10 in the 12 before (-90%). See every month.
How do I file a complaint against Brightwater Capital?
Complain to Brightwater Capital in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Brightwater Capital complaints come from?
Most come from Texas (11), North Carolina (4), Florida (4). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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