Brightwater Capital, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/08/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	OK 73099	Web	Servicemember
I received a voicemail on my XXXX voice line from XXXX XXXX leaving identifiable information about my debt. They said on the voicemail that it was file in his office with the file number and who the original creditor is. Then he called me on my main cell phone number. I answered and it was XXXX XXXX. He was not rude, but did not identify that he was with a collection agency, or even give the disclaimer " This is an attempt to collect a debt, any information obtained will be used for that purpose. '' He went full throttle into talking about the debt. I contested verbally over the phone the validity of the debt. They ignored that my valid balance was {$100.00}. He only wanted to discuss what XXXX XXXX XXXX sent over to him. I told him that my balance got down to {$100.00} and XXXX tacked on a lot of fees to keep my balance high and this was not the first time they did this. I told him that I would settle for {$100.00}, he said he could not do that and then passed me off his supervisor who was quite rude and condescending. I told XXXX before I was passed off without notice that XXXX is still dinging my credit as of two days ago. He said they should not be doing that, but he did not seem concerned. I reminded the supervisor that he was in violation of the FDCPA, but did not tell him that what violation, just that I had been a debt collector for 18 years, and I am very well versed in the FDCPA. He said that the most he was allowed to give was 25 % discount. I told him that they bought the debt for pennies on the dollar and by offering this tiny discount was a farce, because they could offer more. He got really rude and refused to listen to a thing had to say and hung up. I want these violations addressed and fixed. These individuals have no training in the FDCPA or they act as if the FDCPA does not pertain to them. I have the recording of this call if needed to verify my claims. I am in a one party state.
10/15/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	AL 366XX	Web
Bright Water Capital has placed the same XXXX XXXX credit card with several of their agencies. First it was with XXXX XXXX XXXX XXXX who disclosed my personal information to a third party person, a cease collection was sent to them. Next Bright Water sent the account to XXXX XXXX XXXX XXXX. I was able to negotiate a settlement amount with them and have been paying this account since XXXX XXXX, 2015. I have enclosed this agreement. On Wednesday, XXXX XXXX, 2015 a XXXX XXXX called me from XXXX XXXX XXXX, he said that they are with Bright Water Capital. He was trying to collect on the XXXX XXXX Account that was placed with his company on XXXX XXXX. I told him that I do n't know why it would be placed with XXXX XXXX XXXX, I have a settlement agreeement with XXXX XXXX XXXX. XXXX XXXX stated that XXXX XXXX XXXX lost the account for Bright Water Capital due to settlement deals like this and that I need to pay {$4000.00} to XXXX in order to close this account. I stated that No, I have a settlement agreement in writing with another Bright Water Capital client, why would I stop that and pay double my agreeded amount. I hung up and then a XXXX XXXX XXXX from XXXX called and said that he was XXXX XXXX 's Supervisor. I informed him of my settlement agreement and he told me the same story as XXXX XXXX. I told them I am calling XXXX XXXX XXXX and he said that was not a good idea. I hung up and they called me three times after that and left a message for me to call them back regarding the debt. It is clear that Bright Water Capital is trying to collect on the same debt more than once. I am concern that this is reporting incorrectly to the credit burea. I 'm not sure which company to believe. How do I know that my payments are going toward the XXXX XXXX Account.
02/23/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OH 44011	Web
Received phone call from XXXX with bright water capital XXXX stating that her company bought my original debt from XXXXXXXX XXXX and I owed XXXX. I set up payment arrangement ( XXXX on XX/XX/XXXX ) and 75 monthly payments since that date. In XX/XX/XXXX I received a letter from XXXX XXXX ( XXXX ) XXXX stating that their company bought my debt and I owe them XXXX I then asked XXXX from bright water capital to please send me proof of debt which she only offered to do in an email. Brightwaters proof of debt included the whole account number XXXX amount owed is XXXX states that original creditor is XXXX XXXX XXXX XXXX ( the actual creditor is XXXX XXXX not XXXX ( thats just where I bought the couch ) also the debt letter email has my old address not miss you current one. XXXX proof of debt letter has only the last four digits of the account XXXX, states I owe XXXX states original creditor is XXXX and merchant is XXXX XXXX XXXX XXXX. Debt letter has my correct address. Their debt letter also explains that if I contact them within 30 day in writing they will send me verification of the debt or a judgement against me. Brightwaters email does not state that. If XXXX is in fact who I owe the money to then what happens to all the money that I paid brightwater capital on this account? I am unsure of which company to pay or if the debt was double sold? I am unsure who actually owns the debt and have tried calling XXXX for help on who they sold the debt to but they state that there is no account with them at all? I need help before it goes on my credit report, and help getting my money back if I have been paying to wrong company. Thank you for your assistance Please help, Thank you XXXX XXXX
02/14/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 28105	Web
This notice serves as my official complaint against ( BRIGHTWATER CAPITAL , LLC ). On information and belief, Brightwater Capital , LLC, took over an account from ( XXXX XXXX XXXX ) on XX/XX/XXXX. XXXX no longer owns the alleged debt. I received a phone call from a representative, claiming that they were calling to settle an alleged debt on behalf of the alleged creditor : XXXX XXXX XXXX on an alleged debt they claim I owe. I received the call at my job on XX/XX/XXXX. The representative was very obnoxious and rude and insinuated that would confiscate my property. Fortunately, my employer monitor calls for quality assurance. I am filing this complaint against XXXX XXXX, XXXX 1. Because they did not provide me a written notice within five ( 5 ) days of initial communication with me, which is a direct violation of the Fair Debt Collections Practices Act 809 ( a ). Further, pursuant to 12 CFR 1006.34 ( d ) ( 2 ) and 12 CFR 1006. ( 1 ) ( 8 ) ( e ) I did not receive a written notice, ie... MODEL FORM B-1 Validation Notice , which is another violation. See sample of Model B1 form attached
05/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91786	Web
Hello, I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. XXXX XXXX/XXXX XXXX / Brightwater Capital has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report. I've been asking for verification for 6 months in certified and notarized letters. They replied once on XX/XX/XXXX The letter stated the account had be sold to Brightwater Capital which also included a non letterhead computer faded copy of a copy statement. On my credit report it's stating XXXX/XXXX XXXX with remarks stating sold to another lender. I have no knowledge of this account which was opened in XX/XX/XXXX. Please help me.
04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22031	Web
there is this account tbom retail as XXXX balance on my credit report on all 3 bears the first 12 digits of the account number is XXXX the last four I do not have I hope this helps you find the account it claims it was sent to bright water capital, LLC there phone number is XXXX there address is XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX you are in direct violation of the fair credit reporting act has violated several of my rights. 15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A section2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
04/13/2018	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	PA 19114	Web
I was contacted at my job from this debt collect or XX/XX/XXXX. I tried to speak with the debt collector but he was continuously yelling at me and also hung up the phone on me. He proceeded with saying that they would be moving forward with what their decision would be to do with my collection but did not specify any detail and hung up the phone. I talked to the debt collector on Thursday XX/XX/XXXX because they have been calling my job and cell phone number back to back we also talked briefly and I shared that I would be able to make a payment. He also accused me of lying and pulled up a report with all of my other information. So I just need guidance or something of what to do from her we. He also never specified the amount to me that I owe
08/03/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 30058	Web
Brightwater Capital through XXXX XXXX and XXXX XXXX XXXX Georgia have recently garnished my paycheck on XX/XX/XXXX and XX/XX/XXXX for a debt that was already satisfied by $ XXXX/month consecutive payments made first in XX/XX/XXXX through XX/XX/XXXX. I have my cancelled checks as evidence. It would appear that once i satisfied the debt, the debt collector had a responsibility to file the appropriate dismissal with the same court they filed the suit in. This unlawful garnishment has caused me and my family immeasurable pain as I had my home on the market and was under contract for my new home when I was made aware of the garnishment.
07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28314	Web	Older American
I have been getting phone calls from Debit collectors for a loan I did not take out. This is also on my credit report. This loan came from XXXX XXXX XXXX XXXX in XXXX, MD XXXX. The person that took out the loan did this online according to the loan office. It was a personal loan for {$35000.00}. the check was sent to an Address in XXXX NC. I do not live in XXXX, and I did not take out this loan. There saying because the last XXXX of my socials was used and they want me to pay for this loan. I have had several debit collector calls and tell me I need to pay for this loan.
03/11/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30152	Web
The " receivables investor '' Brightwater Capital LLC has neglected to send me a debt validation letter. Phone calls to their provided number are never answered, making it nearly impossible to have this resolved without intervention. At the present time, legal counsel for a collection agency that may or may not actually be able to collect on this debt is threatening a lawsuit. Brightwater Capital LLC should be aware of the actions of any agency they use and every party involved has provided nothing in writing.
07/13/2015	Yes	Credit card	Bankruptcy	FL 342XX	Web
BRIGHTWATER CAPITALC/O XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXXCA N'T FIND ANYTHING ON THEM
01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77407	Web	Servicemember

08/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44811	Web

02/15/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33063	Web	Servicemember

05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KS 66103	Web

12/12/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MD 21740	Phone

10/05/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28759	Web

04/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone

03/07/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	AZ 85085	Web

03/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	IL 60659	Phone

03/13/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	IL 60659	Phone

10/13/2016	No	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 92705	Web

09/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NV 89147	Web

03/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NC 27610	Web	Servicemember

02/04/2015	No	Payday loan	Can't contact lender	MA 01087	Web

10/29/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 18951	Referral

10/26/2013	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	CA 94509	Web