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
07/15/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
For a loan a revived I already paid 3 times that amount its I been rip-off with my money am a single mother struggling and this happens to me now there saying I have until Dec 2 2024 to pay my full amount when I already paid 3 times that amount brightlending your trashBusiness response
07/22/2024
*********************** BBB 21990341.
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 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
07/12/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I received a loan for $1250.00 on 4/29 and have been making bi-weekly payments of $253.41. I have paid over $1267 and now have a balance of $1276.74. I understand the high interest rate - but $0 is going to principal amount and there is no option to pay ahead reduce interest amount. This is a complete violation of credit rights. Since the payments are bi-weekly, it only gives you a few days to pay the full amount before the balance increases again. They are taking advantage of people in desperate times. I just want to pay off the loan and not lose my home.Business response
07/19/2024
************************* BBB 21983379
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 would also like to address the complainants assertion that there is no option to prepay. Bright Lending encourages 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.
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
07/09/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
Requested a $1000 loan and they increase the interest rate after I signed for it. They are supposed to collect on 7/19/2024. I would like the loan contract voided because I didn't sign for the loan they have on-file.Business response
07/18/2024
********************* 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.
We would also like to address the complainants assertion that the interest rate was changed after the loan agreement was signed, which is absolutely false. The APR is disclosed on the Bright Lending website and is prominently displayed in loan documents that are reviewed and signed by the customer.
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 made no 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
07/09/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I got a loan from them in need of emergency. I then saw the insane interest rate and tried to call and email. No one answered the phone and when I emailed they said it was being processed to be canceled. They put the money in my account. Took it out. Put it back in and took it out. And then took my money. But it still says I have missing payments although Im not getting emails. And they said it was being canceled. It is now effecting my credit.Business response
07/17/2024
*********************************** BBB 21961064
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 certainly understand that everyone faces financial difficulties from time-to-time, but the loan agreement signed by *********************************** is legally binding. On May 7, 2024, *********************************** timely requested a loan cancelation, and we attempted to draft the deposited funds on May 9, 2024. However, the draft was unsuccessful due to insufficient funds, leaving the customer with a remaining balance in their account. To date, *********************************** has made no repayment towards the total outstanding loan balance.
We would also like to address the complainants concerns related to any issues they may have experienced connected to our customer service representatives. We unfortunately have no record of the complainants purported contact attempts and apologize for any inconvenience they may have experienced. Regardless, the cancelation request was received on May 7, 2024 and processed in accordance with the terms of the loan agreement.
As for the complainants credit concerns, Bright Lendings process should not affect a customers FICO score. We do not perform hard pulls with the three major credit reporting bureaus, but we may use alternative providers to verify identity data points and active military status.
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
06/29/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I was offered a loan at the beginning of June 2024 with high interest rate of like 45% at first. Then, when I completed the loan process application the interest percentage skyrocketed to 99percent interest rate and the amount of payments would be 18 months at ****** for just a 600 dollar loan???? It didn't sit well when the percentage didn't actually come up until after I clicked to agree on the loan which was not as high when I first began filling out the application for the loan. Today I researched the business and discovered not a legitimate company. Also, no reports are made to the credit bureaus on the paymentsBusiness response
07/02/2024
********************* BBB 21919439.
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. 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 APR disclosed on our website and displayed in our loan documents does not change before or after being reviewed and signed by our customers.
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 LendingCustomer response
07/27/2024
Ok I finally looked in the back of the letter you sent with Bright Lending's response. It's not accurate and misleading.They must cancel my account and my ************ has been informed to cancel all ACH attempts to withdraw funds from my account regarding this company going out of business soon. It's not an option to cancel my account, delete my personal information and bank account information. Furthermore, why is there no phone number listed to call ******************* Community by way of Bright Lending false APR disclosures. Who willfully and deliberately change the interest rate upon agreement; in contrast to when I agreed on a 45%interest rate as the consumer and accepted the loan and hit complete on their website. Then, it turns to *****% APR once I completed my agreement for the $600 dollar loan which as far as the months is ridiculous itself to pay off a 600 dollar loan. They have received two payments of ****** from my account and will not get a ***** more. Why is it that the loan is 18 months for two payments of ****** per month for a 600 dollar loan? Really???? Furthermore, anybody in their right mind would not click complete if the APR or interest rate agreement was at *****% interest. This is why they are getting sued from an Attorney General in October 2023 in ********* for their predatory Lending practices. What company are they really? Island *************************** ***************************** or Bright Lending? Fraud business practices red flags and whose money are they using? I had not received this mailing attached until July 24th, 2024. Not sure why it took so long but nothing was sent July 11th, 2024 as proof is attached. Please give me a call first thing Monday ******************** ************ or tribe is not a valid business to be doing business on unfair types of business practices which include false advertising of their interest rate. The case in ********* against this so called Lending company I pray justice is served on *** ???? US Veterans soil not Reservation land where they think they can't be sued civilly or charged criminally?
Business response
08/06/2024
********************* BBB 21919439
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 respectfully note that California law does not apply to Bright Lending. Bright Lending is a wholly owned and operated entity of the Fort ******* **************** (Tribe) on the ******************* Reservation of ******** Bright Lending was established for the Tribes economic benefit and is organized and licensed under and operates pursuant to Tribal law. Both our website and our consumer loan agreement explicitly describe the sovereign status of Bright Lending and clearly require the application of Tribal law to any business dealings with Bright Lending.
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 Tribe. 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.
We would also like to address the complainants concerns related to a phone number for the Fort ******* Tribal Community. We remind the BBB and the complainant that the agreement that is the subject of this complaint is between ********************* and Bright Lending, not the ******************* Tribal Community. Contact information for Bright Lending, including our phone number, is clearly listed on the first page of the complainants loan agreement. Moreover, Bright Lending maintains a consumer complaint portal for borrowers where customers can file a complaint directly with Bright Lending, and the email address is noted on the complainants loan agreement.
Alternatively, the loan agreement offers borrowers additional recourse:
You can file a complaint directly with the *************************** at *************************** or by email at ************************ The *************************** is a neutral and accessible tribal government designated entity charged with resolution of bona fide borrower claims and disputes.
The *************************** will review each complaint filed with it together with other information it deems appropriate relating to the complaint. It will then issue its decision on the claims covered by the complaint.
A borrower can appeal a decision of the *************************** to the *********************** An appeal to the ************** must be submitted in writing by mail or overnight courier (such as ***** or **** within 30 days of the ***************************'s decision to:
Ft. ******* **************** **************
Re: Tribal Financial Services Appeals
***************************;
****************
As for the complainants concerns related to their interest rate, we are unable to comprehend the substance of their complaint. ********************* took out a $650 loan, not $600 as indicated in their complaint, and their agreed-upon and fully disclosed interest rate was neither 45% nor 99.99%. As stated in our prior response, the APR disclosed on our website and displayed in our loan documents does not change before or after being reviewed and signed by our customers.
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 communicated with ********************* directly in an effort to resolve their previously expressed concerns on July 2, 2024. As indicated in our prior response, ********************* is invited to call our customer service line at ************** to set up a payment arrangement. We look forward to hearing from ********************* as soon as possible to make the arrangements to settle this account for the remaining principal balance owed. We have no intention of collecting any interest on this loan and are simply attempting to settle for the original principal amount of the loan.
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
06/26/2024
- 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 Lending
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Customer Complaints Summary
223 total complaints in the last 3 years.
48 complaints closed in the last 12 months.