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:01/23/2025

  Type:Product Issues
  Status:

  AnsweredMore 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.

  This Company is a VERY HIGH ********************** I took out an emergency loan for $1500.00 in November 2024. The WEEKLY interest rate was $147.46, On December 18, 2024 they debited my account $147.46. The next day I requested to pay off this loan and it said it was for $1706.83. $206.83 more than the $1500.00 owed. I had just paid the weekly interest of $147.46. I assumed the system would fix any errors or the company would refund the difference. I have emailed over my bank statement and talked to a few representatives. They will not refund my $200.00 difference.On 12/23/24 I took out a $2100.00 loan. 1/2 $139.95 and 1/8 $139.95 service charges and 1/10 $2,121.04 PAID OFF. This is the example of how the previous loan should have been paid off. I am due $200.00 for the OVERPAYMENT on the $1500.00 Loan. Please assist? Thank you.I'm sorry, I hope this makes sense. Please let me know if you have any questions. ************. Thank you in advance.

  Business Response

  Date: 01/31/2025

  **** ** *********** BBB 22849872
  
  
  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 ******* ***************** 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.
  
  
  ********************** 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.
  
  
  **** ** ************ request to pay off the loan coincided with an already-scheduled payment draft in accordance with the customers loan agreement. This payment was already being processed at the time of **** *************** request. This regularly scheduled payment was accounted for when the payoff amount was quoted. **** ** *********** has no remaining financial obligation to Bright Lending. **** ** ***********, 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 Lending

• Initial Complaint

  Date:01/14/2025

  Type:Product Issues
  Status:

  AnsweredMore 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.

  I borrowed money that was deposited into my account in the amount of $300. I was under the impression I would be borrowing $100.

  Business Response

  Date: 01/23/2025

  ******* **** BBB 22811460
  
  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. 
  
  We would also like to address the complainants concerns regarding their loan amount.  As explained on Bright Lendings website, we offer loans [r]anging from $300 to $1,200.  
  
  We certainly understand that everyone faces financial difficulties from time-to-time, but the loan agreement signed by ******* ****, in the amount of $300.00, 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 Lending
  

• Initial Complaint

  Date:12/26/2024

  Type:Product Issues
  Status:

  AnsweredMore 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.

  I received an email in my spam folder from Bright Lending and the next thing I knew was they approved a loan than I did not even apply for and deposited $1000 into my account. Not sure how they hacked into my bank. After further review and research this place charges high interest rates and I have contacted them with no response on this matter. I just want to return the exact amount they deposited with no more costs. It was deposited on 12/20/2024

  Business Response

  Date: 01/02/2025

  ******* ***** BBB BBB Case Number: 22730887
  
  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 the customer.
  
  Second, ********************** received a loan application in ******* ***** name and subsequently completed underwriting.  A fully signed loan agreement purportedly executed by ******* *****, including ACH authorization, was received on December 23, 2024.  Pursuant to the customers request, ACH authorization was revoked on December 26, 2024.  There were no payments drafted from ******* ***** account.
  
  If fraud is suspected, we recommend that they 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. 
  
  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 Lending

• Initial Complaint

  Date:12/25/2024

  Type:Sales and Advertising 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.

  I do not have a loan with this company, yet I received an email they are withdrawing money for a loan payment.

  Business Response

  Date: 01/02/2025

  ****** ******** BBB 22729565
  
  
  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 ******* ***************** 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, ********************** received a loan application in ****** ********* name and subsequently completed underwriting. A fully signed loan agreement purportedly executed by ****** ********, including ACH authorization, was received on December 23, 2024. Pursuant to the customers request, ACH authorization was revoked and the loan was canceled on December 23, 2024. There were no payments drafted from ****** ********* account.
  
  
  If fraud is suspected, we recommend that they 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

  Customer Answer

  Date: 01/02/2025

   
  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.
  I will place a freeze on my credit report to ensure no loans are opened in my name. To verify no money will be withdrawn from my account,  as I do not have a loan with you. If any money is withdrawn I will take action with my bank.
  Sincerely,
  
  ****** ********

• Initial Complaint

  Date:12/04/2024

  Type:Order Issues
  Status:

  AnsweredMore 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.

  Yall are offering the money too people with emergencies and these people out here in the world with emergencies can hardly get by! Why offer the money and then play the greedy game and run everyone over! I knew There was reason I was told 3 years ago today too never Instist on brightening theyll make your life very stressful and your checks wouldnt be checks anymore! I can barely get by! Im already owing on garnishments! This s*** is ridiculous! Get it together!!!!!! This lending company shouldnt be in business!!!! Interest is bull crap! I took a loan out for $950 Ill roughly owe them $4,000 something dollars because I cant pay the $1,000 off I got personal issues going on! Living wise as well! Im over this bs! I paid them $790 something dollars far within almost 2 months. I just checked my remaining balance for the first time! Today and what I seen I wanted too quit my f****** job!

  Business Response

  Date: 12/12/2024

  ****** ****** BBB BBB Case Number: 22639718
  
  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.  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 Lending

• Initial Complaint

  Date:11/23/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore 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.

  I randomly found a charge from the business in my checking account. Ive never spoken to anyone or set up any loan agreement with this company. When I searched my email, I found an offer email sent, but no record of me ever receiving or speaking to this company before. Their website glitches out in chat so you cant connect with them and their phone numbers ask for your social which I find very sketchy. Extremely hard to get in contact with anyone to find out how they got in my bank account and refund.

  Business Response

  Date: 12/02/2024

  ******** **** BBB 22597044
  
  
  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 ******* ***************** 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.
  
  
  ********************** received a loan application in ******** ***** name and subsequently completed underwriting. A fully signed loan agreement purportedly executed by ******** ****, including ACH authorization, was received on October 23, 2024. Any requests for the complainants SSN were made to verify the customers identity in accordance with our customer identification program.
  
  
  If fraud is suspected, we recommend that the complainant 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

• Initial Complaint

  Date:11/13/2024

  Type:Billing Issues
  Status:

  AnsweredMore 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.

  I took a loan out with Bright Lending the most recent $1,************, I would like to make an early payment and it doesnt allow me to.On the app it asks to select a date of payment but no dates are available at all for all of November or all future dates. This business is practicing illegally to halt all possible payments by the lendee.

  Business Response

  Date: 11/18/2024

  ****** ******* BBB BBB Case Number: 22554311
  
  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 respectfully note that Illinois law does not apply to Bright Lending.  Bright Lending is a wholly owned and operated entity of the ************************************ (Tribe) on the ******************************* 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.  Additionally, we would like to address the claim that a payoff was not able to be scheduled.  If any customer experiences issues with our online services, we recommend they contact our customer service department directly for assistance.  After a review of the customers account, it appears there were payoffs scheduled by the customer, that were also cancelled 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 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 Lending

• Initial Complaint

  Date:11/13/2024

  Type:Order Issues
  Status:

  AnsweredMore 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.

  I received an email from Bright Lending stating that I am behind on my payments to a loan. I have never applied for a loan with them . I looked at documents and the money was deposited into an account with ********. I contacted that bank to make sure someone didn't open an account with my name. There isn't an account with my name. I send an email to their fraud department with the email Bright Lending send to me. I have received 2 emails so far stating that my account is past due. Someone took out a loan in my name. This is not my debt

  Business Response

  Date: 11/18/2024

  ***** Larno BBB BBB CASE NUMBER: 22550169
  
  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 the customer.
  
  Second, ********************** received a loan application in ***** Larnos name and subsequently completed underwriting. A fully signed loan agreement purportedly executed by ***** Larno,including ACH authorization, was received on August 7, 2024.  ACH authorization was revoked on August *******.
  
  As our agents advised ***** Larno, if fraud is suspected, we recommend that they 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. 
  
  We will communicate with ***** Larno directly in an effort to resolve their concerns.  Correspondingly, ***** Larno, 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 Lending

• Initial Complaint

  Date:10/17/2024

  Type:Billing Issues
  Status:

  AnsweredMore 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.

  I scheduled a pay in full on October 15th for $963.52 that would finish my loan on October 16th. Upon checking my account the morning of the 16th I found an extra charge of $102.19. I call customer service and their supervisor told me that it is from a returned payment, returned payments take 3-5 business day to return to the customer, that has accumulated some interest. The returned payment, which was $70.20, was from October 11th meaning I stacked over thirty dollars in interest in less than seven days... Then they go on to explain that I have a payment scheduled for October 18th that they cannot stop and it will not cover my current balance so I need to wait another 3-5 days after the 18th to pay my remaining balance... which they cannot tell me what the remaining balance will be because they know I will stack an insane amount of interest while their system "processes" the payments. 10/10 DO NOT RECOMMEND I got a small five hundred dollar loan because I was in a bind and needed money asap for my family. But no matter how bad things may seem, you will make things 10x worse if you accept any type of credit through Bright Lending no matter how small. I have already paid ******** for a loan amount of FIVE HUNDRED!!!!! It's expensive being poor. Do not borrow from Bright Lending.

  Business Response

  Date: 10/25/2024

  ****** ***** ******* BBB 22436335
  
  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.
  
  ********************** 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. 
  
  We would also like to address the complainants concerns related to their returned payment.  Despite the complainants payoff attempt, a previous payment was returned due to insufficient funds.  As a result, the account remained open with a balance.
  
  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 Lending
  
  

• Initial Complaint

  Date:10/14/2024

  Type:Order Issues
  Status:

  AnsweredMore 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.

  I was offered a ****** loan and I've been paying ****** a week for 3/4 month, and it is constantly still being taken out.

  Business Response

  Date: 10/23/2024

  ******* ****** BBB 22419229
  
  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.
  
  ********************** certainly understands 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 Lending