Debt or credit management -- Confusing or misleading advertising or marketing -- Complaint #15052067
Complaint Overview
Complaint ID: 15052067
Company: Bright Capital INC
Product: Debt or credit management
Sub-Product: Credit repair services
Issue: Confusing or misleading advertising or marketing
State: Texas
ZIP Code: 79106
Date Received: 2025-08-01T12:00:00-05:00
Date Sent to Company: 2025-08-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am experiencing serious issues with Bright Money that are negatively impacting my credit. I sent multiple emails to Bright Money requesting to close my account when my balance was {$0.00}. Despite this, my account remains active, and a {$7.00} balance appeared without explanation after my closure request. I never authorized this charge, and it should not exist. Now, Bright Money is reporting my account as delinquent to the credit bureaus, which has harmed my credit score. I have tried to contact them repeatedly via email and phone to resolve this matter. Emails go unanswered, and their phone system only routes to automated bots without an option to speak to a live agent. Bright Money did respond once with instructions to close my account, but I can not log in to follow those steps. I have told them this, but they have not provided any alternative solution or assistance. I am requesting the following : 1. Immediate manual closure of my Bright Money account since I can not log in. 2. Removal of the invalid {$7.00} balance. 3. Deletion of all negative/delinquent credit reporting that resulted from this error. 4. Written confirmation that my account is closed and no further reporting will occur. This is a clear case of inaccurate billing, failure to honor account closure requests, and incorrect credit reporting
Frequently Asked Questions
What is Complaint #15052067 about?
Complaint #15052067 was filed against Bright Capital INC regarding Debt or credit management specifically about Confusing or misleading advertising or marketing. It was received by the CFPB on 2025-08-01T12:00:00-05:00.
How did Bright Capital INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt or credit management) and describe your issue in detail.
Can I see other complaints against Bright Capital INC?
Yes, visit the Bright Capital INC company profile at readthecomplaint.com/company/bright-capital-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.