ComplaintsforBright Lending
Current Alerts For This Business
On June 16, 2020, Better Business Bureau recognized a pattern of complaints from consumers regarding lending practices of Bright Lending. Consumers allege they borrow money but after making several payments, they discover they owe much more money than they borrowed.
On June 16, 2020, and June 29, 2020, Better Business Bureau reached out to the business for a response to the consumer complaints. On September 14, 2020, Bright Lending responded to Better Business Bureau; below is a copy of their response.
Bright Lending is in receipt of BBB’s review letter dated June 16, 2020, which was received by us on June 22, 2020. We take all comments, complaints, and reviews (good or bad) very seriously and will address the items noted. First, we would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to your letter. Bright Lending is committed to complying with the spirit of all applicable federal laws and the laws of the Fort Belknap Indian Community.
Regarding our products and their terms and conditions (including repayment options), they are all explained at the time of loan origination. Bright Lending discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing. We also encourage customers to pay off early with no prepayment penalty to save on interest charges.
As to the APR, it is disclosed both on the Bright Lending website, as well as the loan documents that are reviewed and signed by the customer. All rates and loan fees are prominently displayed within the loan contract and are acknowledged at each point by mandatory electronic signature. Furthermore, we advise our customers that our products should be used as a short-term source of funds – not a long-term financial solution.
As to the alleged pattern asserted by BBB and the number of consumer complaints claimed by BBB, our records indicated that we have 34% less complaints over the past twelve (12) months than what is alleged by BBB. Even more importantly, out of all those complaints during the last twelve months, only one (1) response was not accepted by a complainant. Most importantly, to put the volume of complaints in perspective, the complaints received over the last twelve (12) months make up less than 0.09% of Bright Lending’s originated loans during that time.
As we are sure you are aware, Bright Lending has repeatedly attempted to work with the BBB on improving Bright Lending’s BBB rating. Unfortunately, Bright Lending has been repeatedly told by BBB that Bright Lending’s rating is due to the number of complaints received without any regard for the fact that such volume of complaints constitutes a nearly imperceptible percentage of Bright Lending’s customer base.
Regardless of the above, Bright Lending appreciates the BBB reaching out, as we always strive to offer a superb product and the best customer experience possible. Bright Lending specifically understands the importance BBB’s recommendations in above-referenced letter, and we would like to let you know that our website already has these recommendations implemented. You can find this information by going to the Bright Lending website and clicking on the Our Loans tab. From there, you will be able to click on either New Customer Rates or Returning Customer Rates. Furthermore, as previously mentioned, all rates and loan fees are prominently displayed within the loan contract and are acknowledged at each point by a customer’s mandatory electronic signature.
Thank you for the opportunity respond. As noted above, Bright Lending is subject to robust consumer protection requirements, and we want to treat our customers well and ensure they are pleased with our product.
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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
06/26/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I came across this loan application that was dated from 09/22. I did not receive any type of loan, and the address is incorrect. I did not move. I have been at the same address for 5 years. I did not take this loan out, and can not get in touch with any one. It is only an automated phone number and useless Chat. I did send out an email. No response. I would like to File a Dispute for FRAUD.Business response
07/01/2024
************************* BBB BBB CASE NUMBER 21906963.
Dear Better Business Bureau:
Bright Lending is in receipt of the above-referenced complaint filed with the BBB. We take all comments, good or bad, very seriously. The following is our response to the items noted.
We would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer. ********************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* Indian Community. Bright Lending discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing. The APR is disclosed on the Bright Lending website and is prominently displayed in loan documents that are reviewed and signed by our customers.
********************** received a loan application in ************************* name and subsequently completed underwriting. A fully signed loan agreement in the amount of $350.00, purportedly executed by *************************, was received on September 2, 2022.
If fraud is suspected, we ask that ************************* file an Identity Theft Report with the ************************ at ****************************** and with their local authorities,and then fax a copy of these reports to us at ************** for our records and so that we may take internal action on the account.
As noted above, Bright Lending is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
Respectfully,
Bright LendingInitial Complaint
06/24/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Resolved
On Friday 6/21, I emailed this business asking for them to process my final payment on my loan in the amount of $2,553.22. Of course they did not respond until Saturday 6/22 and then said I already had a final payment scheduled for Monday 6/24. This is only because they didn't draft my payment on Friday 6/21 as requested. I've attached copies of the emails. This resulted in me being overcharged $95.25 for that final payment. I am requesting refund of that amount.Business response
07/01/2024
*********************** BBB 21893040
Dear Better Business Bureau:
Bright Lending is in receipt of the above-referenced complaint filed with the BBB. We take all comments, good or bad, very seriously. The following is our response to the items noted.
First, we would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer. ********************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the ******************* Indian Community. Bright Lending discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing. The APR is disclosed on the Bright Lending website and is prominently displayed in loan documents that are reviewed and signed by the customer.
The complainant requested to cancel their loan obligations on June 18, 2024, and then retracted that request on June 19, 2024. On June 20, 2024, using our online services, the customer went on to schedule a partial payment for June 21, 2024, allowing us one business day for the payment to process.
Subsequently, the customer emailed on June 21, 2024 asking to pay the remaining balance that same day. Unfortunately, that email was not processed until June 22, 2024, a Saturday, and the pay in full was scheduled for the following business day. We apologize for any inconvenience this may have caused ,and in an effort to resolve their concerns, we will refund the $95.25 in interest that was accrued due to the delay. Correspondingly, ***********************, at their convenience, may call our customer service line, and they will be directed to a representative who can assist them with any additional questions.
As noted above, Bright Lending is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
Respectfully,
Bright LendingCustomer response
07/02/2024
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
06/14/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I took out a loan with Bright Lending I have paid back more than I borrowed. Yesterday I paid the entire loan back in full. Today they took more money than my pay off was even though the loan was paid and I got a confirmation email stating it was paid. When they took out another payoff more than the original out of my bank I called them, they confirmed it was their mistake, they called my bank confirmed that it was taken out yesterday and today and confirmed the bank charges associated with the over draft, and now are telling me it will be 5 business days before they can even try to process to get my money back. But offered me a loan to get my bank out of the negative when them STEALING 500 dollars from me is the reason my bank is in the negative!!!!Business response
06/21/2024
************************* BBB 21849788
Dear Better Business Bureau:
Bright Lending is in receipt of the above-referenced complaint filed with the BBB. We take all comments, good or bad, very seriously. The following is our response to the items noted.
First, we would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer. ********************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* Indian Community. Bright Lending discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing. The APR is disclosed on the Bright Lending website and is prominently displayed in loan documents that are reviewed and signed by the customer.
Second, we would like to address the complainants assertion that Bright Lending stole $500.00 from the bank account on file,which is unfounded. The complainant set up a one-time payment for the total balance due on June 14, 2024, via Bright Lendings online customer service portal, then proceeded to contact a customer service representative where she successfully paid off the loan via debit card. Once made aware of the double payment, Bright Lending issued a refund on June 20, 2024. Bright Lending will not process any payments without prior authorization, nor do we follow deceptive practices.
We certainly understand that everyone faces financial difficulties from time-to-time, but the loan agreement signed by ************************* is legally binding. Thus, we had every right to expect payment as scheduled in the agreement. To date, ************************* has successfully paid off their loan and we will consider this matter closed. This resolution will be notated in ******************* account, and we will block their identifying information in our system unless indicated otherwise by them in writing.
We will communicate with ************************* directly in an effort to resolve their concerns. Correspondingly,*************************, at their convenience, may call our customer service line, and they will be directed to a representative who can assist them with any additional questions.
As noted above, Bright Lending is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
Respectfully,
Bright LendingInitial Complaint
06/12/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I have looked up this company done my research and even looked up the address from this company to where its located and its fault statement they are spamming people for there money please do something about it im glad i did my reasearch before applying for this ***** loan i got approved for thanks and hope you actually do some legal work against fraud fakesBusiness response
06/20/2024
************************* BBB Complaint ID: ********
Dear Better Business Bureau:
BrightLending is in receipt of the above-referenced complaint filed with the BBB. We take all comments, good or bad, very seriously. The following is our response to the items noted.
We would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer. ********************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the ******************* Indian Community. Bright Lending discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing. The APR is disclosed on the Bright Lending website and is prominently displayed in loan documents that are reviewed and signed by the customer.
After a review of our system, we can confirm that ************************* does not have any financial obligation to Bright Lending and thus no resolution is required. We would also like to address the complainants assertion that Bright Lending perpetrates fraud and makes false statements. These baseless accusations are unfounded and untrue.
As noted above, Bright Lending is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
Respectfully,
Bright LendingInitial Complaint
06/10/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
This company keeps running my credit to try to get loans. Please tell them to stop. How did they get my information?Business response
06/12/2024
******************************* BBB BBB CASE NUMBER 21826299
Dear Better Business Bureau:
Bright Lending is in receipt of the above-referenced complaint filed with the BBB. We take all comments, good or bad, very seriously. The following is our response to the items noted.
We would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer. ********************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the ******************* Indian Community.
Bright Lending received a loan application in ************************* name. This application has since been withdrawn from our system. We will block the complainants identifying information in our system unless indicated otherwise by them in writing.
If fraud is suspected, we recommend that ******************************* file an Identity Theft Report with the ************************ at ****************************** and with their local authorities, and then fax a copy of these reports to us at ************** for our records.
As noted above, Bright Lending is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
Respectfully,
Bright LendingInitial Complaint
06/03/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I took out a loan with bright lending in august. I was able to make a payment but unfortunately I had fallen through hard times. On December 21st I entered a payment plan. I was able to make two payments. The last payment I made was Thursday 1/4. I reached out via BBB and CFPB on 1/6/2024 to file a complaint. I received a response on 1/18/2024 to settle for the principle balance of $609.00. I agreed to the resolution but I have been struggling to get back on track since January and I would like to know how much I have paid during January and I would like to settle for what has been paid. I am on a fixed income and Im barely getting by and my expenses keep increasing I look forward to a resolution to resolve this matter.Business response
06/11/2024
*************************** BBB 21796877
Dear Better Business Bureau:
Bright Lending is in receipt of the above-referenced complaint filed with the BBB. We take all comments, good or bad, very seriously. We note that Bright Lending has already responded to this same complaint filed with the **** in January, 2024 by the complainant.
We communicated with *************************** directly in an effort to resolve their previously expressed concerns. As indicated in our prior response, *************************** is invited to call our customer service line at ************** to set up a payment arrangement.
*************************** borrowed $800.00 and, to date, and only repaid $190.94. Our final settlement offer represents the remaining principal the complainant owes on the loan, $609.06. We will not settle the loan for what has been paid to date because Bright Lending is still owed $609.06 in principal funds. We look forward to hearing from *************************** as soon as possible to make the arrangements to settle this account.
As noted above, Bright Lending is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
Respectfully,
Bright LendingCustomer response
06/11/2024
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
05/09/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
Hello, I applied for a loan of only $ 600 from this business, then when I read it in detail, I saw that they would get more than 3 thousand dollars in return for 600 dollars. I sent an e-mail directly to cancel, the money had not been transferred to my account yet, but no one responded. Now I want to send the money back to my account and cancel the loan, I cannot get a response.Business response
05/16/2024
Imar Bicim BBB Complaint ID: ********
Dear Better Business Bureau:
Bright Lending is in receipt of the above-referenced complaint filed with the BBB. We take all comments, good or bad, very seriously. The following is our response to the items noted.
We would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer. ********************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the ******************* Indian Community. Bright Lending discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing.
Bright Lending has in fact already processed Imar Bicims request to cancel their loan. As such, the complainants loan agreement has been canceled and they have no financial obligation to Bright Lending.
As noted above, Bright Lending is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
Respectfully,
Bright LendingInitial Complaint
05/03/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
Received loan , trying to pay off loan. No one will help me with the payoff. I have emailed over 20 times, I have tried to call there is no one to talk to. There is no option for me other than to keep paying $90 every two weeks until Ive spent over $1000 on a $300 loan when it says clearly that you can pay it off early. However, how do you pay it off early if no one takes your calls and theres no way to pay it online. It keeps telling me my password is wrong so I try to reset my password and it never sends me a reset email. I want them to take my payment so that I can be done with this companyBusiness response
05/10/2024
***************************** BBB 21660681
Dear Better Business Bureau:
Bright Lending is in receipt of the above-referenced complaint filed with the BBB. We take all comments, good or bad, very seriously. The following is our response to the items noted.
We would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer. ********************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* Indian Community. Bright Lending discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing. The APR is disclosed on the Bright Lending website and is prominently displayed in loan documents that are reviewed and signed by the customer.
A review of our records indicates that the complainant expressed difficulty navigating our automated telephone system, prompts, and questions,but was successfully connected to a representative on May 7, 2024. We apologize for any inconvenience this may have caused although we are not aware of any material defect with our automated system. Beyond telephone communication,we can confirm that Bright Lending representatives were in mutual communication with the complainant via email beginning on April 12, 2024.
We certainly understand that everyone faces financial difficulties from time-to-time, but the loan agreement signed by ***************************** is legally binding. Thus, we have every right to expect payment as scheduled in the agreement. To date, ***************************** has only made a partial repayment towards the total outstanding loan balance.
We will communicate with ***************************** directly in an effort to resolve their concerns. Correspondingly,*****************************, at their convenience, may call our customer service line, and they will be directed to a representative who can assist them with any additional questions.
As noted above, Bright Lending is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
Respectfully,
Bright LendingInitial Complaint
04/22/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
Called 3 times on Monday April 22 2024 about a loan application I didn't submit and told than each time I will not give personal information to a company I don't know. Was told that they can remove me from call logs because a computer is used to make they calls. Which to me sounds like robocalls. Was told by the person that robocalls are voice messages.Business response
05/01/2024
********************* BBB BBB CASE NUMBER 21610961
Dear Better Business Bureau:
BrightLending is in receipt of the above-referenced complaint filed with the BBB. We take all comments, good or bad, very seriously. The following is our response to the items noted.
First, we would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer. ********************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the ******************* Indian Community. Bright Lending discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing. The APR is disclosed on the Bright Lending website and is prominently displayed in loan documents that are reviewed and signed by our customers.
Second, Bright Lending received a loan application in *********************** name. This application has since been withdrawn from our system. We will block the complainants identifying information in our system unless indicated otherwise by them in writing.
If fraud is suspected, we recommend that ********************* file an Identity Theft Report with the ************************ at ****************************** and with their local authorities, and then fax a copy of these reports to us at ************** for our records.
As noted above, Bright Lending is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
Respectfully,
Bright LendingInitial Complaint
04/12/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
In July of 2023 I took a loan for 500 dollars from this company and agreed to make bi weekly payments. I knew there would be interest on the loan and would end up paying more than I borrowed as that's how loans go but I was not aware of the extreme interest rate and how little of the payments i made would actually go towards the 500 i borrowed. I've made 19 payments now of ****** which is little over 281 a month and never been late or anything and I STILL owe nearly 200 to the company. This is outrageous and I cannot even believe it's legal for them to overcharge so greatly on a loan like that. Having made that many payments I've paid a total of ******** on a 500 dollar loan and its still not even paid off. I've tried calling customer service to have something done about it and continuously been hung up on or when they do talk to me I've been talked down to and treated like I'm stupid and instead of offering any kind of resolution to this they have the gall to ask me if I want to make another payment! None of the customer service representatives I've spoken to have had any kind of compassion or understanding of my point nor have offered any kind of solution to my issue. I will NEVER borrow from them again and I will make sure any and everyone know about what a scam and fraud like company this is. They don't explain to you anything about how much you will grossly overpay or that it's so expensive at the time of borrowing and I'm sure that's done on purpose to get you to agree. I am disgusted by the way this has gone and the way it's been handled by multiple different levels of employees. I don't know how they can live with themselves knowing what they're doing to and charging people that don't have the money to overpay like this cause of they did they never would've needed to borrow the money in the first place and this includes myself. I've lost more money to this company then I ever should've and will never borrow from them again.Business response
04/19/2024
************************* BBB 21568674
Dear Better Business Bureau:
Bright Lending is in receipt of the above-referenced complaint filed with the BBB. We take all comments, good or bad, very seriously. The following is our response to the items noted.
First, we would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer. ********************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the ******************* Indian Community. Bright Lending discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing. The APR is disclosed on the Bright Lending website and is prominently displayed in loan documents that are reviewed and signed by the customer.
Second, we certainly understand that everyone faces financial difficulties from time-to-time, but the loan agreement signed by ************************* is legally binding. Thus, we have every right to expect payment as scheduled in the agreement.
We will communicate with ************************* directly in an effort to resolve their concerns. Correspondingly, *************************, at their convenience, may call our customer service line, and they will be directed to a representative who can assist them with any additional questions.
As noted above, Bright Lending is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
Respectfully,
Bright LendingCustomer response
04/24/2024
Complaint: 21568674
I am rejecting this response because:There was nothing except legal mumbojumbo given to excuse themselves from their wrongdoing. There was no willingness to meet me part way with some kind of a solution instead I was just given the party line as to why they feel they can do what they've done. I wasn't given any options to resolve this matter in any way and don't feel that was fair. Was told to call customer service but as stated in my original complaint I've done this many times with very disrespectful and inconsiderate results as I've mostly been hung up on and so for them to suggest i call to speak with someone was kind of a slap in the face and makes me feel like my original complaint wasn't thoroughly read through. All I was asking was for some kind of agreement about the remaining balance as when I signed the agreement I didn't know the terms to be what they are or I never would've taken this loan in the first place. I cannot be the only one who misses this kind of thing when agreeing to take out a loan online and I know there has to be a solution that will end in both of us being happy.
Sincerely,
*************************Business response
05/06/2024
Dear Better Business Bureau:
BrightLending is in receipt of the above-referenced complaint filed with the BBB. We take all comments, good or bad, very seriously. The following is our response to the items noted.
As indicated in our prior response, Bright Lending is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* Indian Community. Bright Lending discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing. The APR is disclosed on the Bright Lending website and is prominently displayed in loan documents that are reviewed and signed by the customer.
Moreover, ********************** informs our customers that this is an expensive form of borrowing, and we even encourage our customers to prepay (with no penalty) to reduce the overall cost of borrowing. We go further and inform our customers that our product is not meant as a long-term financial solution. We also allow our customers to cancel their payment obligations under their Loan Agreement (at no cost), no later than 3:00 p.m. Mountain time of the next business day immediately following the Disbursement Date.
To date, ************************* has no outstanding financial obligations to Bright Lending. We communicated this to ************************* on April 19, 2024, and this was notated in their file. We certainly understand that everyone faces financial difficulties from time-to-time, but the loan agreement signed by ************************* was legally binding. Thus, we had every right to expect payment as scheduled in the agreement.
As noted above, Bright Lending is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
Respectfully,
Bright Lending
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Customer Complaints Summary
225 total complaints in the last 3 years.
48 complaints closed in the last 12 months.