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Complaint Details
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Initial Complaint
02/22/2024
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
They sent unsolicited pre-approved credit offer to the name of a person who never worked for my businessBusiness response
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 response
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
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
10/07/2022
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
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
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
07/08/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I recently received an unsolicited credit card in the mail from ************ for ********** ************Business response
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.Initial Complaint
06/10/2022
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
ForwardLine sent me an unsolicited credit card in the mail. This is illegal.Business response
06/28/2022
Business Response /* (1000, 5, 2022/06/14) */ We apologize to Mr. ******* for any confusion and concern caused by his receipt of a Platinum Business Account offer from ForwardLine Financial, LLC ("ForwardLine"). The offer Mr. ******* received in the mail from *********** was an offer of business financing. This offer was sent based upon information *********** received from the credit bureau Experian Information Solutions, 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. Mr. ******* should be assured that no credit has been opened on behalf of his business. Pursuant to Mr. ********** request, *********** has opted him and his business out of any further marketing solicitations from ************ In conclusion, *********** prides itself on excellent customer service and regret that Mr. ******* was concerned by our direct mail marketing piece.Initial Complaint
04/16/2022
- Complaint Type:
- Delivery Issues
- Status:
- Answered
I received an *unsolicited* offer with physical card for a Platinum Business account from ForwardLine for me in relation to a LLC business. This card could have been stolen from my mailbox and activated damaging my credit and the business. I currently have and have previously opted out of ALL firm offers of credit with all credit bureaus. I would like to know why I received this offer, why the credit agency shared my information if they did so, and ensure they are held accountable for breaches in law for allowing offers when I have opted out.Business response
07/07/2022
Business Response /* (1000, 5, 2022/04/20) */ We apologize to **. ******* for any confusion and concern caused by his receipt of a Platinum Business Account offer from *********** ********** *** ****************** The offer **. ******* received in the mail from ForwardLine 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. It is NOT a firm offer of credit, nor have we run any credit check on **. ******* without his consent. **. ******* should be assured that no credit has been opened on behalf of his business. Pursuant to **. *******'s request, *********** has opted him and his business out of any further marketing solicitations from ************ In conclusion, *********** prides itself on excellent customer service and regret that **. ******* was concerned by our direct mail marketing piece.Initial Complaint
04/13/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I received an actual, physical credit card from ForwardLine in the mail today. It has my company name on it and an unknown name on it as executive...I did not order this credit card!!!! If someone had stolen this from my mailbox they could have activated it and racked-up a lot of debt in my name. This practice is without conscience. This company needs to be stopped from doing this.Business response
07/07/2022
Business Response /* (1000, 5, 2022/04/13) */ We apologize to **. / **. ******* for any confusion and concern caused by his / her receipt of a Platinum Business Account offer from ForwardLine Financial, LLC ("ForwardLine"). The offer **. / **. ******* 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 Experian Information Solutions, Inc. ("Experian"). Experian 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. **. / **. ******* should be assured that no credit has been opened on behalf of his / her business. Pursuant to **. / **. *******'s request, ForwardLine has opted him / her and his / her business out of any further marketing solicitations from ForwardLine. In conclusion, ForwardLine prides itself on excellent customer service and regret that **. / **. ******* was concerned by our direct mail marketing piece.Initial Complaint
02/19/2022
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Resolved
I received an *unsolicited* offer with physical card for a Platinum Business account from ForwardLine for me in relation to a LLC business. This card could have been stolen from my mailbox and activated damaging my credit and the business. I currently have and have previously opted out of ALL firm offers of credit with all credit bureaus. I would like to know why I received this offer, why the credit agency shared my information if they did so, and ensure they are held accountable for breaches in law for allowing offers when I have opted out.Business response
03/16/2022
Business Response /* (1000, 8, 2022/03/14) */ We apologize to *** ***** for any confusion and concern caused by his receipt of a Platinum Business Account offer from ForwardLine Financial, LLC ("ForwardLine"). The offer**** ***** 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. *** ***** should be assured that no credit has been opened on behalf of his business. Pursuant to************ request, ForwardLine has opted him and his business out of any further marketing solicitations from ForwardLine. In conclusion, ForwardLine prides itself on excellent customer service and regret that *** ***** was concerned by our direct mail marketing piece. Consumer Response /* (2000, 10, 2022/03/14) */ (The consumer indicated he/she ACCEPTED the response from the business.) I am satisfied by the explanation from the company and opting out us and the business from any further unsolicited offers of credit.Initial Complaint
02/19/2022
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Resolved
I received an actual, physical credit card from ************ I did not order this credit card. In fine print it says "business financing subject to lender approval and is not a credit card". It also said this offer is being make based upon information received from one of the major credit bureaus. I have my credit History and information "Locked" by all three credit bureaus.Business response
03/15/2022
Business Response /* (1000, 8, 2022/03/14) */ We apologize to Mr. ******** for any confusion and concern caused by his receipt of a Platinum Business Account offer from ForwardLine Financial, LLC ("ForwardLine"). The offer Mr. ******** 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 Experian Information Solutions, Inc. ("Experian"). Experian 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. We did not run inquiry on Mr. ********'s personal credit. In order to take advantage of the offer received, the recipient must complete an application for financing and independently verify certain information. Mr. ******** should be assured that no credit has been opened on behalf of his business. Pursuant to Mr. ********'s request, ForwardLine has opted him and his business out of any further marketing solicitations from ForwardLine. In conclusion, ForwardLine prides itself on excellent customer service and regret that Mr. ******** was concerned by our direct mail marketing piece. Consumer Response /* (2000, 10, 2022/03/14) */ (The consumer indicated he/she ACCEPTED the response from the business.)Initial Complaint
11/28/2021
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Resolved
I have been sent two unsolicited credit cards within a couple of months. After receiving the second card I decided to file a *** complaint. What if this card was stolen from my mailbox and used. I don't know who these people are or have I ever done business with them or any affiliates that I am aware of. I have attempted to contact them when time permitted but they were closed. I don't want this to have an adverse affect on my personal or business credit. In my research it looks like they did this same thing to others. I need it to stop NOW and some assurance from them this will halt and not occur again, and I won't have any issues with my credit as a result of this unwanted tactics to gain business.Business response
01/05/2023
Business Response /* (1000, 8, 2021/12/14) */ We apologize to Mr. **** for any confusion and concern caused by his receipt of a Platinum Business Account offer from ForwardLine Financial, LLC ("ForwardLine"). The offer Mr. **** 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. Mr. **** should be assured that no credit has been opened on behalf of his business. Pursuant to Mr. ****'s request, ForwardLine has opted him and his business out of any further marketing solicitations from ForwardLine. In conclusion, ForwardLine prides itself on excellent customer service and regret that Mr. **** was concerned by our direct mail marketing piece. Consumer Response /* (3000, 10, 2021/12/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) I receive solicitations for my business from a number of companies, but never have I received a physical credit card. Not only was it sent once but it was sent twice. This practice used by this company could be damaging should a physical credit card be stolen from the mailbox. We live in a society where criminals take advantage of opportunities like this. Unfortunately those who have decent credit could fall victim to this unsolicited solicitation. I don't mind getting a mailer looking to aquire my business, but a physical credit card is ridiculous and dangerous. So no I don't accept their canned response. Do better ForwardLine, and find another way! Business Response /* (4000, 14, 2023/01/03) */ We apologize to Mr. **** for overlooking his rebuttal. Although the card enclosed in the mailer looked like a physical credit card, it is stated in the mailer and on the back of the card that it is not. We would like to reassure Mr. **** that each application for business financing goes through an extensive ownership and identity verification process to flag fraudulent activities, and no one other than the confirmed owner of a business is able to obtain business financing from ForwardLine. We hope this addresses Mr. ****'s concerns. Consumer Response /* (2000, 16, 2023/01/05) */ (The consumer indicated he/she ACCEPTED the response from the business.) I have no other choice as to accept the weak response/resolution, especially given this obviously isn't something that matters to them they put the issue on the back burner for an entire year. This is a horrible means of doing business, I just won't do business with them even if he opportunity arises. I will however complain again if I get another lame Credit Card from them. Lastly given the options of rating them from 1 to 10 they would be the lowest of '1'. *** thank you for your follow up.Initial Complaint
11/05/2021
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I received an actual, physical credit card from ForwardLine. I did not order this credit card. If someone had stolen this from my mailbox they could have activated it and racked-up a lot of debt in my name. This practice is without conscience. This company needs to be stopped from doing this.Business response
11/29/2021
Business Response /* (1000, 5, 2021/11/16) */ We are in receipt of Mr. ******'s complaint and apologize for any confusion and concern caused by his receipt of a Platinum Business Account offer from ForwardLine Financial, LLC ("ForwardLine"). The offer Mr. ****** received is an offer of business financing. This offer was made by ForwardLine based upon information ForwardLine received from the credit bureau Experian Information Solutions, Inc. ("Experian"). Experian 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. This verification includes, among other things, a requirement that the applicant prove that they are indeed the owner of the business. Therefore, please be assured that no one would be able to obtain financing in the name of any person or business simply by receipt of the offer Mr. ****** received. Pursuant to Mr. ******'s request, ForwardLine has opted him and his business out of any future marketing solicitations from ForwardLine. In conclusion, ForwardLine provides itself on excellent customer service and regret that Mr. ****** was concerned by our direct mail marketing piece.
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Customer Complaints Summary
13 total complaints in the last 3 years.
2 complaints closed in the last 12 months.