Complaints

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:11/14/2022

  Type:Service or Repair 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.

  A Loan Subsidiary named; Bright Lending (https://brightlending.com/) LLC DBA Bright Lending Is failing to properly collect on my account resulting in poor account management and misappropriation of dedicated funds. They are owned by :Fort Belknap Indian Community of the Fort Belknap Reservation of ******* (the Tribe), a federally-recognized and sovereign American Indian Tribe.My account: #********** Tru Accord serviced the account originally.My payment was determined missed due to company error on September 30th and has not been corrected since. I seek to have the account closed as paid-in-full to end any further dishonorable debt collection practices.

  Business Response

  Date: 11/22/2022

  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.  Bright Lending is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort Belknap 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 both on the Bright Lending website, as well as 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 would also like to address the complainants characterization of the payment missed due to Bright Lendings error on September 30,2022 which is unfounded.  In fact, our records indicate a successful payment on September 30, 2022. Bright Lending also indicates this account was returned from *********** on July 2, 2022,with a Settlement Offer accepted by ***************** on November 14, 2022.
  
  Nevertheless,to amicably resolve this matter, Bright Lending will *************************** account for the remaining principal balance only and once the remaining principal balance has been paid, we will consider this matter closed.  This will be notated in **** Hills file, and we will block their identifying information in our system unless indicated otherwise by them in writing.  We will be following up with ***************** with an email confirmation of this resolution. 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.
  
  We hope that this letter resolves any concerns.  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. 
  
  Respectfully,
  
  Bright Lending

  Customer Answer

  Date: 11/30/2022

   
  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,
  
  *****************