Complaints

This profile includes complaints for BriteCap Financial LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  BriteCap Financial LLC

  222 N Pacific Coast Hwy Ste 11-158 El Segundo, CA 90245-5648

  
• 

  BriteCap Financial LLC

  North Hollywood, CA 91601-4963

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/10/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have received 2 pre approved business account letters from Brite Cap. After the first letter I contacted the company for 2 reasons.1. They have another person's name for my company who i do not know & has no association with my company.2. I want to opt out of these pre approval. I want them to delete my company from their computers.I was told I had to put in the 16 digit code they sent me for approval. I told them absolutely not, you have my business information delete it.Well I just got another pre approval letter today with the same unknown persons name with my company's *************** I want my information deleted from their computers.

  Business Response

  Date: 02/10/2025

  Hi ******,
  

  At BriteCap, we take pride in our ethical business practices and are honored to have supported thousands of small businesses across ******* with financing solutions.

  Our direct mail solicitation is an invitation to apply for business financing, not a credit card. This invitation is based on qualifying information we receive from major business credit bureaus. Final approval for funding depends on verifying certain business characteristics, including recent business revenues and ownership. The business names and associated owners/principals are provided to us by these credit bureaus. Occasionally, there may be inaccuracies in the information provided. When we become aware of such discrepancies, we promptly correct our records and advise recipients to contact the credit bureaus to ensure their information is updated.

  We hope this clarifies any misunderstandings. Additionally, we have identified the record for the mailer you received and have marked it as "do not mail." Please allow up to 30 days for this update to take effect across our system.

  Thank you. 

  Customer Answer

  Date: 02/11/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** **********

• Initial Complaint

  Date:01/08/2025

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a pre-authorization for a business loan/card. I am not a business and furthermore I am not interested in obtaining a loan or card from them. Due to current information environment, I am concerned about fraud or unintentional activation of cards or loans. I did not see any opt out options on their literature and am wary of using their website or toll-free number, having no knowledge of this company. PLEASE help me opt out of any and all future communication from them and facilitate removal of any of my data from their systems. THANK YOU.

  Business Response

  Date: 01/08/2025

  HI *****, 

  BriteCaps direct mail solicitation is an invitation to apply for business financing and is not a credit card . The invitation is based upon qualifying information BriteCap receives from the major business credit bureaus and final approval for funding is based upon verification of certain business characteristics,including recent business revenues and company ownership. 

  If you would like to opt out of BriteCap's direct mail solicitations, please visit here: ************************************************ and complete the form. Thank you!

  Customer Answer

  Date: 01/10/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:10/28/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I get many calls during the week and a few weekends. I get letters with advertisements and have now sent a letter with a card for activation on behalf of my company without any authorization. I neve asked for any services or information from BRITECAP. They stolen my information for disturb me and break my privacy.

  Business Response

  Date: 11/08/2024

  Hello ****, 

  At BriteCap, we pride ourselves on upstanding business practices.  BriteCaps direct mail solicitation is an invitation to apply for business financing. The invitation is based upon qualifying information BriteCap receives from the ***************************** and final approval for funding is based upon verification of certain business characteristics, including recent business revenues and ownership. 
  
  We apologize that you were unhappy with your experience with BriteCap. You can contact us at *********************************** to resolve any outstanding concerns. Or, you can permanently opt out of future BriteCap direct mail invitations by visiting here ************************************************.
  

  Customer Answer

  Date: 11/13/2024

   
  Complaint: 22478455
  
  I am rejecting this response because: I want the company delete all my information and don't bother me anymore with any offer.  Can  you do it ,please?

  
  Sincerely,
  
  **** *******

  Business Response

  Date: 11/14/2024

  Thank you for reaching out! We can certainly opt you out of all BriteCap communications. Please allow up to **************************************************************************** need assistance, feel free to let us know. We appreciate your understanding!
  

• Initial Complaint

  Date:06/20/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a pre-approved credit card indicating I just need to activate it. It's in the name of *********************** , Manager with an account date of 6/14/2024. I do not know an *********************** nor has anyone other than myself been associated with my business, which has been out of business for years. I am concerned with credit/identity theft with this sort of mailing.

  Business Response

  Date: 07/22/2024

  Dear ***********, 

  At BriteCap, we pride ourselves on upstanding business practices and are proud to have provided financing to thousands of Americas small businesses.  BriteCaps direct mail solicitation is an invitation to apply for business financing and is not a credit card and does not contain the **** brand.  The invitation is based upon qualifying information BriteCap receives from the major business credit bureaus and final approval for funding is based upon verification of certain business characteristics, including recent business revenues and company ownership.  All business names and the owners/principals associated with each business name are provided to BriteCap from the major business credit bureaus.  Occasionally, individuals associated with businesses are incorrect and, when we become aware of such, we correct the information in our system and advise direct mail recipients to contact the major business credit bureaus as well to ensure the information is corrected.  We hope this information helps clarify your misunderstanding.

• Initial Complaint

  Date:06/10/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  one of my business requested a Business Loan, as I had been pre-approved for it.Only a few hours later, and after I had disclosed most of my business private and confidential information, and when there was still information to be sent , according to their processes, they denied totally their first intention and rejected my request. They did not want any more information that they needed to consider my application for.I asked them to inform me of who had received all of my data, and refused to tell me . I asked them to destroy all the information that I shared, and they refused. I asked them to disconnect their systems from my bank account, and they refused to do it.I consulted with my attorneys, and I have sent them the following email, and I have received no response:NOTICE OF INTENTION TO FILE FEDERAL AND STATE COMPLAINTS AND DEMAND FOR COMPLIANCE You are hereby notified that I, *****, have been misled by your false and misleading representations in the letter you sent to **** have retained copies of all communications between us.NOW, THEREFORE, I demand that you:IMMEDIATELY DESTROY ALL CONNECTIONS WITH MY BANK ACCOUNTS, including but not limited to account numbers, routing numbers, and any other identifying information;DESTROY ALL AND ANY RECORDS OF MINE IN YOUR POSSESSION OR CONTROL, including but not limited to personal identifying information, financial records, and any other sensitive information;PROVIDE A LIST OF ALL THIRD PARTIES THAT HAVE RECEIVED ANY SINGLE PIECE OF INFORMATION ABOUT ME, including but not limited to names, addresses, and contact information;PROVIDE WRITTEN CONFIRMATION OF THE DESTRUCTION OF ALL INFORMATION ABOUT ME FROM YOU AND ANY OTHER THIRD PARTY INVOLVED. Failure to comply with these demands will result in immediate legal action against you, including but not limited to criminal charges for tampering with governmental records, fraud, and false statements.Sincerely,Angel

  Business Response

  Date: 07/22/2024

  We deeply regret Mr. ***** negative experience applying for financing from BriteCap.  The mailing ************ received was an offer of business financing.  While Mr. ***** offer was based upon qualifying information we received from business credit bureaus, we regret that we were unable to provide Mr. ***** business with financing at this time.  While we have opted ************ and his business out of receipt of any further marketing from BriteCap, unfortunately, we are unable to delete the information provided by ************ about him and his business as part of an application for financing,because federal and state law requires lenders to retain information provided by applicants in connection with any credit transaction. However, Mr. **** can be assured that BriteCap does not sell any applicant information to third-parties and employs industry-standard best practices to protect applicant information. We are very sorry that ************ had a negative experience with BriteCap, we wish him and his business the best in their future endeavors.  

• Initial Complaint

  Date:04/16/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  April 9, 2024 - I received in the mail an invitation for one of my former employees to have a business credit card under my company's name. This employee has not worked for me for over 6 years and he worked for me when I was at a completely different address. It is very alarming to me that Britecap seems to be sending out invitations for people to commit fraud at my company's expense. I don't know how you got my new address and associated this former employee to my company after so many years but this is an obvious attempt to have someone fraudulently obtain credit at my expense. There is a credit card enclosed with the fraudulent invitation with an account date of 3/29/2024 and the account number *******************. The recipient has until 4/26/2024 to activate the card by simply scanning a QR code , visiting a website or calling a phone number. Since neither me nor my firm was ever contacted, I can only imagine how easy it would be to have someone who receives this to obtain credit that Britecap would eventually hold me liable for. The mail is addressed to my former employee giving him the title of "Executive" but he was always just a clerical worker. Britecap must be pulling data indiscriminately just to get people to obtain credit cards that they can charge fees from without taking proper precautions to prevent fraud. If BBB allows this company to continue having a good rating, BBB would be condoning this behavior which is irresponsible at best.

  Business Response

  Date: 04/16/2024

  Hi *****,

  At BriteCap, we pride ourselves on upstanding business practices and are proud to have provided financing to thousands of Americas small businesses. BriteCaps direct mail solicitation is an invitation to apply for business financing and is not a credit card . The invitation is based upon qualifying information BriteCap receives from the major business credit bureaus and final approval for funding is based upon verification of certain business characteristics, including recent business revenues and ownership. We hope this information helps clarify your misunderstanding. We add your account to our direct mail Opt Out list. Going forward you will no longer receive offers from BriteCap. If you would like additional information, please send us an email at ***********************************. 

• Initial Complaint

  Date:04/16/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  i received an offer from the named company with an enclosed credit card that i did not request. The card has the name ******************** ( I have never heard of this person), the card had my actual business name on it and my actual address, whe I contacted the company for an explanation, they told me they got the information from Equifax, which is a lie. I don't know if this a scam, but I'm concerned they have my business information attatched to someone else's name.

  Business Response

  Date: 04/16/2024

  Hi *******,

  At BriteCap, we pride ourselves on upstanding business practices and are proud to have provided financing to thousands of Americas small businesses. BriteCaps direct mail solicitation is an invitation to apply for business financing and is not a credit card . The invitation is based upon qualifying information BriteCap receives from the major business credit bureaus and final approval for funding is based upon verification of certain business characteristics, including recent business revenues and ownership. We hope this information helps clarify your misunderstanding. If you would like additional information, please send us an email at ************************************** could also remove your company from future mailings. Please send an email to ******************************* with details (the 16-digit code, company name, etc.). Thank you.

• Initial Complaint

  Date:02/22/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They sent unsolicited pre-approved credit offer to the name of a person who never worked for my business

  Business Response

  Date: 03/01/2024

  Hi ******,
  At BriteCap, we take pride in upholding ethical business practices and are honored to have provided financing to thousands of ********* small businesses.

  This direct mail solicitation from BriteCap is an invitation to apply for business financing, not a credit card . The invitation is based on qualifying information we receive from major business credit bureaus, and final approval for funding depends on verifying certain business characteristics, including recent revenue figures.
  

  We hope this information clarifies any confusion. If you have any further questions, you can email us at ************************************ We will also remove your company from future mailings, as per your request.
  

  Customer Answer

  Date: 03/05/2024

   
  Complaint: 21300395
  
  I am rejecting this response because: I want them to remove me and my company from all forms of contact and/or solicitations forever.
  
  Sincerely,
  
  *************************

  Business Response

  Date: 03/07/2024

  Hello ******,

  As we indicated in our initial response, we will remove your company from future mailings, as per your request.

  If you have any further questions, you can email us at ***********************************. Thank you.
  

• Initial Complaint

  Date:10/07/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Got a credit card for my BROTHER send to my home address which is also the address of our small business EYE PHYSICS LLC, owned by me, my spouse, and my brother. It was not asked for. I don't trust businesses that send unsolicited cards in the name. I talked to them and they said it was a marketing tool. Looked like a credit card to me. If it had been stolen out of my mailbox, I can just see the mess that would happen. I told them I had just destroyed the card and I didn't want any further contact from this company. We don't want or need any line of credit. We are doing just fine. We have no employees either. I consider this type of unsolicited stuff to be a bad business practice and unethical. It should be illegal.

  Business Response

  Date: 10/26/2022

  Business Response /* (1000, 5, 2022/10/10) */ We apologize to Ms. ******** for any confusion and concern caused by her receipt of a ******** Business Account offer from *********** ********** *** ****************** The offer Ms. ******** received in the mail from *********** was an offer of business financing. This offer was sent based upon information *********** received from the credit bureau ******** Information ********** Inc. *************** ******** provided *********** with the names and contact information of businesses that, based upon specific requirements provided by ************ prequalify for one of ************** financing products. In order to take advantage of the offer received, the recipient must complete an application for financing and independently verify certain information. Ms. ******** should be assured that no credit has been opened on behalf of her business. Pursuant to Ms. ********'s request, *********** has opted him and her business out of any further marketing ************* from ************ In conclusion, *********** prides itself on excellent customer service and regret that Ms. ******** was concerned by our direct mail marketing piece.

• Initial Complaint

  Date:07/08/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently received an unsolicited credit card in the mail from ************ for ********** ************

  Business Response

  Date: 07/25/2022

  Business Response /* (1000, 5, 2022/07/12) */ We apologize to Ms. ******* for any confusion and concern caused by her receipt of a Platinum Business Account offer from ForwardLine Financial, LLC ("ForwardLine"). The offer Ms. ******* received in the mail from ForwardLine was an offer of business financing. This offer was sent based upon information ForwardLine received from the credit bureau ************************************************** ******** provided ForwardLine with the names and contact information of businesses that, based upon specific requirements provided by ForwardLine, prequalify for one of ForwardLine's financing products. In order to take advantage of the offer received, the recipient must complete an application for financing and independently verify certain information. Additionally, the information provided by ******** does not involve any use of or impact to the recipient's credit report. Ms. ******* should be assured that no credit has been opened on behalf of her or her business and her receipt of ForwardLine's offer has no impact on her or her business's credit report. Pursuant to Ms. *******'s request, ForwardLine has opted her and her business out of any further marketing solicitations from ForwardLine. In conclusion, ForwardLine prides itself on excellent customer service and regret that Ms. ******* was concerned by our direct mail marketing piece.