Complaints

This profile includes complaints for Vader Mountain Capital's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Vader Mountain Capital

  12496 NW 25th St Miami, FL 33182-1505

• 

  Vader Mountain Capital

  8200 NW 52nd Ter STE 200 Doral, FL 33166-7852

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:05/29/2025

  Type:Service or Repair 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.

  They very aggressively approved me for a small loan. 3k for a DAILY withdrawal of $100 for a total of around $4600 to pay back. When I declined they kept calling me back to back saying this will get me to get a better loan in the future due to my business credit not favorable at that moment. I asked what happens if one day I do not have the $100 on my account, thats when a manager got on the line and told me and I quote, Do not worry the amount will adjust based on your daily account balance if you have less, your withdrawal would be less than a $100. And they also stated it would be done automatically. After a few weeks of payments, it happened a client payment got delayed, so my account went down. When I called the Vader, very rudely they stated that I was lying and that I signed a contract.I stopped replying, thats when they started calling, emailing in a very aggressive way, they beat rent a center. Random people showing up at my house, they called friends of mine, who I havent spoken in over a year and gave them all the loan info, what I owed, and that I will be sued.They sent the actual contract signed by me with all my private information in a package to my exs parents house NOT SURE HOW THEY GOT THE ADDRESS AND FULL NAMES. They filed a ********. Well thanks to all the lien and withdrawal attempts my business account was closed, and I am in the brink of loosing my business. I got copies of all email, the recorded phone call with shield manager, who very clearly promised what I explained above, all my friends gave the the documents they got on the mail*AG got notarized letters from each one of them, got the phone call statement report with the proof of the exchesive calls to my friends. HIRED A LAWYER, ALSO FILLING A CASE WITH THE ***. IF SOMETHING SIMILAR HAPPENED TO YOU, dont hesitate to contact me, or the **** Shield Funding and Vader Servicing llc

  Business Response

  Date: 05/29/2025

  Thank you for your feedback, *****. We take these matters seriously and are sorry to hear about your experience. While we cannot comment on the specific details of your account in a public forum, we would like to clarify a few important points:
  We only escalate accounts to a third-party collections agency as a last resort, and only after multiple attempts to communicate directly with the merchant and resolve the matter collaboratively. We do not initiate collections after a single missed payment, and our team makes every reasonable effort to accommodate financial difficulties when merchants communicate with us.
  We also want to be clear that Vader Mountain Capital does not send collectors to individuals homes, nor do we disclose private account information to unrelated third parties. We are committed to maintaining client confidentiality and operating in full compliance with applicable laws.
  We encourage any merchant facing challenges to contact us directly so we can explore potential solutions. Our team is always open to communication and willing to work toward a resolution when there is a good-faith effort to engage with us.
  If you have additional questions or would like to speak with us directly, we welcome you to contact our team.

• Initial Complaint

  Date:05/22/2025

  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 am submitting this complaint after Vader Mountain Capital refused to correct several material overcharges and unauthorized practices, despite written notices and formal requests.I paid over $11,300 on Loan 1, but Vader only applied ******* (which was over by ******) Instead of refunding or crediting the overage, Vader rolled $****** into Loan 2, treated it as new capital, and then applied finance charges to it again charging me interest on funds I had already paid.The additional charges of finance charges alone totaled $810.71 (X2), with the total overcharge reaching $2,143.78.The actual cash received between both loans was well under $12,700, but Vader structured the repayments to exceed $20,000.Additionally, Vader financed administrative fees (like a $495 admin charge) and charged interest on them without disclosing this practice clearly in the agreement.?Actions Taken:I issued a formal credit memo demanding correction, and I revoked ACH authorization. Despite this, Vader continues to collect under the disputed terms.?Requested Resolution:Credit the $2,143.78 overcharge Recalculate Loan 2 to reflect actual disbursed funds only Remove all duplicate finance charges and unjust enrichment Cease all collection activity until a corrected schedule is issued

  Business Response

  Date: 05/23/2025

  Thank you for the opportunity to respond to the complaint submitted by Mr. **** ******
  
  We have reviewed the concerns raised and would like to clarify the facts of this matter:
  
  1. No Overcharges on Initial Agreement: Mr. ***** was not charged any additional fees or overages on his initial funding agreement. All payments made were in accordance with the terms he agreed to and no penalties or unexpected charges were applied.

  2. Standard Renewal ****************************** elected to renew his agreement, three pending payments from the first contract were applied to the balance of the new funding, which is a standard and fully disclosed procedure. This application of remaining payments is clearly outlined in the agreements and ensures a seamless continuation of funding.
  

  3.Transparent Contract Terms: All fees and remittance terms including any applicable administrative charges were disclosed in the signed agreement. Mr. ***** entered into the agreement voluntarily and had full access to the terms before executing the contract.
  

  4.Efforts to Clarify: Our team, including both a collector and an account manager, has made multiple efforts to explain the structure of both agreements to Mr. ****** Despite these efforts, he continues to mischaracterize the nature of the payments and terms.
  

  ****** Steps: Mr. ***** is welcome to review the signed contract for further clarification. If he has any unresolved concerns, we encourage him to reach out directly to his account manager to discuss the details. However, unless a formal resolution is reached, we will continue to enforce the agreement as written. Should he choose to default, collection efforts will proceed in accordance with the contractual terms.
  

  We respectfully disagree with Mr. ****** characterization of the funding structure and deny that any unjust enrichment or unauthorized charges occurred. The agreement was executed transparently and in good faith.

  Customer Answer

  Date: 05/25/2025

   
  Complaint: 23365257
  
  I am rejecting this response because I have sent multiple requests for a written response to Vader, and all I got back were phone calls demanding payments. 
  
  Sincerely,
  
  **** *****

  Business Response

  Date: 05/27/2025

  
  We have reviewed the concerns raised and would like to once again clarify the facts of this matter:
  
  1. No Overcharges on Initial Agreement: Mr. ***** was not charged any additional fees or overages on his initial funding agreement. All payments made were in accordance with the terms he agreed to and no penalties or unexpected charges were applied.
  2. Standard Renewal ****************************** elected to renew his agreement, three pending payments from the first contract were applied to the balance of the new funding, which is a standard and fully disclosed procedure. This application of remaining payments is clearly outlined in the agreements and ensures a seamless continuation of funding.
  
  3.Transparent Contract Terms: All fees and remittance terms including any applicable administrative charges were disclosed in the signed agreement. Mr. ***** entered into the agreement voluntarily and had full access to the terms before executing the contract.
  
  4.Efforts to Clarify: Our team, including both a collector and an account manager, has made multiple efforts to explain the structure of both agreements to Mr. ****** Despite these efforts, he continues to mischaracterize the nature of the payments and terms.
  
  ****** Steps: Mr. ***** is welcome to review the signed contract for further clarification. If he has any unresolved concerns, we encourage him to reach out directly to his account manager to discuss the details. However, unless a formal resolution is reached, we will continue to enforce the agreement as written. Should he choose to default, collection efforts will proceed in accordance with the contractual terms.
  
  We respectfully disagree with Mr. ****** characterization of the funding structure and deny that any unjust enrichment or unauthorized charges occurred. The agreement was executed transparently and in good faith.

  Customer Answer

  Date: 05/27/2025

   
  Complaint: 23365257
  
  I am rejecting this response because: I'd like a full audit on my account and how the finance charges were handled.
  

   

  
  1. Loan Summary & Disbursement Details
  
  
  
  Loan 1
  
  Amount Financed: $10,495
  Cash Disbursed: $9,525
  Admin & Setup Fees Added to Principal: $970
  Payments Made: 65 $174.12 = $11,317.80
  
  
  
  Loan 2
  
  Amount Financed: $6,864.80
  Cash Disbursed: $3,147.44
  Admin & Overpayment Added to Principal: $1,017.36
  Payments Made: 52 $138.75 = $7,215.00
  Extra Payment Made: $280.00
  
  
  
  Total Paid (All Loans): $18,812.80
  Total Actual Cash Disbursed to Me: $12,672.44
  
  
  
  
  2. Finance Charges on Upfront Fees
  
  
  It appears that fees totaling $1,987.36 ($970 from Loan 1 + $1,017.36 from Loan 2 including the overpayment from Loan 1) were added to the principal and subsequently financed, rather than deducted. Based on the terms and APRs of the loans:
  
  Estimated Finance Charges on Fees: ~$1,620.71
  (Approx. $810 from Loan 1 + $810.71 from Loan 2)
  
  
  These fees were not actually received as cash, yet I was charged interest on them as if they were.
  
  
  
  
  3. Request for Clarification and Immediate Audit
  
  
  Given the above, I respectfully request the following:
  
  A detailed audit of both loan accounts, showing:
  
  Amount financed vs. amount disbursed
  Itemized breakdown of all fees and how they were treated (deducted vs. financed)
  Total finance charges applied, with a breakdown
  Confirmation of how the $522.36 overpayment was handled
  
  
  
  
  This situation has placed a significant burden on my business. I would appreciate your prompt written response to this request, and a resolution that reflects accurate and fair accounting.
  Sincerely,
  
  **** *****

  Customer Answer

  Date: 05/27/2025

  
  I am writing to request that my complaint against Vader Mountain Capital be reopened. I strongly dispute the companys response and would like to provide clarification supported by documented figures and contract terms.
  
  
  
  Key Points of Dispute:
  
  
  Fees Financed, Not Disbursed
  Vader included $970 in admin and setup fees in the loan principal of Loan 1 and over $1,000 in similar charges in Loan 2. These amounts were never disbursed to me but were treated as principal and subjected to full finance charges. This resulted in over $1,620 in interest on money I never received a practice that may violate fair lending principles.
  Overpayment and Finance Charges on It
  When I renewed the loan, Vader applied $522.36 in overpaid funds from Loan 1 to Loan 2 as new money and charged interest again  inflating my cost by another $810.71. There is no clause in the contract that allows them to reclassify an overpayment as new principal without my consent.
  Lack of Written Response and Mischaracterization
  Despite multiple written requests including on May 16, 2025  Vader never provided a written explanation or a clear audit. Ive received only collection calls, not clarification. Their claim that I mischaracterize the facts is unfounded; I have extensive documentation showing how their structure inflated my repayment.
  
  
  
  
  Total Impact:
  
  
  Total Paid: Over $16,976
  Total Cash Actually Received: $12,672
  Documented Overcharges and Excess Finance Costs: $3,313.84
  
  
  
  This is not a disagreement about expectations this is a factual dispute over how funds were handled and how charges were applied. I entered this agreement in good faith and am simply asking for transparency and a proper adjustment based on what was actually received vs. what was charged.
  
  
  I respectfully ask that the complaint be reopened so this can be addressed properly. I am happy to submit supporting documents and calculations upon request.
  
  
  Sincerely,
  **** *****
  ***************
  ************************************
  **************

• Initial Complaint

  Date:05/08/2025

  Type:Service or Repair 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.

  Continuous threats to file a lien on my business if a certain amount of money was not paid. These threats towards my business and way of generating income are uncalled for, and the staff at this company needs a reality check on how to speak to their customers. I requested to speak to someone at the corporate office/higher up, but keep getting transferred to the same individuals I am having issues with in the company.

  Business Response

  Date: 05/08/2025

  Thank you for allowing us the opportunity to respond to the complaint filed by Ms. **** *****.
  We would like to clarify that on May 8, 2025, the merchant submitted the required payment and was approved for a modified payment plan. This arrangement was mutually agreed upon to assist the customer in maintaining good standing while resolving the outstanding balance.

  Our collector communicated with Ms. ***** in accordance with standard collections procedures. At no point did our staff harass or threaten the customer. Rather, we clearly stated the accounts status and outlined the next steps for resolutioninformation which is consistent with our obligation to notify clients of potential escalations related to nonpayment.
  Our representative spoke directly with Ms. ***** and expressed concerns in a professional and respectful manner. We also offered to work with her legal counsel, should she wish to have one involved, and requested their contact information to proceed accordingly.

  We take customer concerns seriously and continuously train our staff to maintain professionalism, even during difficult collection discussions. However, we are also legally obligated to pursue recovery of outstanding debts, and communication is a necessary part of that process.
  We consider this matter currently resolved with the active payment plan in place.

  We remain available to support Ms. ***** in successfully completing the terms of her agreement.

  Customer Answer

  Date: 05/09/2025

   
  Complaint: 23303082
  
  I am rejecting this response because:

  It is not guaranteed that I will be able to pay the amount they are requesting from me weekly, on top of all other personal and business expenses I have to cover with my current financial situation the way it is. I lost contractors and employees unexpectedly the last few months, which is also a loss in revenue for my business. And if I end up missing a payment or simply cannot pay $250 one week, they will threaten to file a lien once again not understanding the financial stress I am currently going through. They are demanding I pay a certain amount weekly, not even trying to negotiate a lower amount so I am able to cover the payments until I am financially stable with my business again.

  I spoke briefly to my attorney and also got other people's opinions from other loan companies, and they suggested that I request a smaller amount weekly until I am able to get back up on my feet and cover more payments. There is nothing more I can do than what I have been doing. I am working to hire more in the next few months so I can recover the funds I am losing due to loss of work and few employees.

   Sincerely,

  
  **** *****

  Business Response

  Date: 05/09/2025

  We appreciate the opportunity to respond to the concerns raised by Mr. **** *****.

  The customers claim that our staff issued continuous threats to his business is a mischaracterization of standard commercial collections communication. At no point were threats maderather, our team clearly outlined the contractual and legal steps that may be taken in the event of nonpayment, including lien enforcement, which is a lawful and customary option in commercial finance when accounts become delinquent.

  Mr. ***** was informed of the status of his account and reminded of the consequences of continued default. This information was conveyed respectfully and in writing. Documentation also shows that he acknowledged owing the $250 and made multiple commitments to submit the payment, which were not initially fulfilled.

  Regarding his request to speak to someone higher up, Mr. ***** communicated directly with senior staff, both of whom hold leadership roles within our organization. At no point was he denied access to appropriate personnel. He was also invited to provide his attorneys contact information, which he did not do.
  As of May 7, 2025, the customer was approved for a payment modification plan. We view this resolution as a good-faith step forward.

  We take all feedback seriously and strive to maintain professionalism and clarity in all customer interactions. However, we also have a responsibility to enforce the terms of our agreements and recover outstanding balances in accordance with the law.

  We consider this matter resolved and will continue to honor the current payment arrangement.

• Initial Complaint

  Date:04/30/2025

  Type:Service or Repair 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.

  4/30/2025 I have tried calling, my granddaughter had my phone at the ball diamond and when she handed it back to me she said look Mamaw I pushed all the yellow buttons. Needless to say she completed the funding app and then I find out Vader Mountain filed a *** on my company with no funding. I looked at my account and there is nothing deposited. I have tried calling and left messages. I am NOT happy about this, I had their Doc open to read it I did not intend to complete it.

  Business Response

  Date: 05/15/2025

  Dear ******,
  After reviewing our records, we can confirm the following:

  No funding was ever issued to you or ************* by Vader Mountain Capital.

  No UCC filing was made by Vader Mountain Capital against your company.

  If a UCC filing appears on your record, it must have been filed by a different company.
  We hope this clears up any confusion. Please let us know if you have any further questions.

• Initial Complaint

  Date:04/08/2025

  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.

  Summary of Complaint:I am filing this complaint against Vader Mountain (also operating as Vader Servicing) due to their predatory lending practices and aggressive, misleading collection tactics that are placing my small business at ******* December 2024, I obtained a short-term business loan of $3,600 from Vader Mountain. The terms of the loan required repayment in just 97 days, with a total repayment amount that equated to an effective interest rate of approximately 444% APR. This rate is unconscionable and exploitative, particularly for a small business already operating under financial ************** company, a service-based logistics business, does not receive daily revenue and is not currently profitable. Despite this, Vader Mountain has demanded daily payments and issued threats of enforcement, including a *** lien, without first attempting any formal or good-faith negotiation. They have also threatened to notify my vendors and processors, which could severely damage my business operations and professional relationships.Contrary to their claims, I have not received clear or verifiable communication from any of their representatives offering a reasonable resolution. When I attempted to engage in discussion and proposed a monthly payment plan based on actual cash flow, I was met with intimidation rather than collaboration.I am requesting that Vader Mountain immediately cease all aggressive collection actions, remove or suspend the *** lien, and work with me in good faith to establish a fair and realistic payment plan. I further request that the BBB review this case for possible predatory lending practices and misleading communication strategies targeting small business owners.

  Business Response

  Date: 04/09/2025

  Thank you for the opportunity to respond to the complaint submitted by Ms. ***** *******.
  
  First, we would like to clarify a fundamental misunderstanding: Vader Mountain Capital does not offer loan products. We are not a lender. Our business model involves the purchase of a portion of a business's future receivables. This is a common and lawful form of commercial financing, and it is distinct from a loan.
  
  The agreement signed by Ms. ******* and her business clearly outlines the terms of the receivables purchase, including the total amount of receivables sold, the purchase price, and the expected daily remittance. The agreement also specifies that our right to collect on the purchased receivables is not contingent on the profitability of the business, though we do offer avenues for businesses to communicate temporary financial hardship.
  
  While we understand that Ms. ******* would prefer to be placed on a significantly reduced monthly remittance plan, we have communicated that the terms she has proposed are not acceptable. As such, we have requested that she contact her assigned account representative to discuss any possible resolution or modification in more detail.
  
  We also categorically reject any claims of predatory lending or misleading communication. All agreements are fully disclosed, written in plain language, and signed voluntarily. We have records of multiple communications with Ms. ******** including offers to work through her concerns, which have been met with either refusal or non-responsiveness.
  
  We remain open to working collaboratively within the scope of the existing agreement and our companys policies. We urge Ms. ******* to contact her account representative directly to explore any viable resolution.

  Customer Answer

  Date: 04/09/2025

   
  Complaint: 23178950
  
  I am rejecting this response because:This correspondence serves as a formal rebuttal to your recent claims, specifically your assertion that Vader Servicing is "not a lender" and your continued justification of the aggressive enforcement actions you have taken against my business.

  
  

  First, the statement that Vader is not a lender is factually inaccurate and legally misleading. You extended a sum of $3,600 to my company under a structured repayment schedule with daily debits, totaling a required repayment amount that, when calculated, equates to an effective annualized percentage rate (APR) exceeding 400%. This arrangement clearly meets the functional definition of a lending transaction, regardless of the nomenclature or legal structuring Vader attempts to use to circumvent regulatory scrutiny.

  
  

  The substance of the transaction, not its label, determines its legal character. Courts and regulatory bodies routinely reject form-over-substance arguments in such cases, especially when terms so disproportionately favor one party at the expense of a small business borrower.

  
  

  Second, I reject your claim that you made multiple efforts to engage in dialogue. No verifiable or documented communications were provided to me in advance of your decision to file a *** lien and threaten to notify vendors and processors. These tactics are designed to intimidate and coerce payment, not facilitate resolution.

  
  

  Further, I reiterate that my company is not a cash-based operation, nor do we receive daily revenues. As a logistics provider, we operate under delayed receivables on net terms, and your collection strategybuilt around daily paymentsis incompatible with the basic structure of our business.

  
  

  Additionally, your aggressive actions are causing harm to my business reputation and operations. Threatening third-party notifications and asserting rights to freeze accounts without a judgment or verified default reflects bad-faith behavior.A report to the ************************************ (CFPB) for predatory lending practices;

  
  

  Potential claims for tortious interference with business relations;

  
  

  Injunctive relief to prevent further reputational harm or interference.

  
  

  
  

  Nonetheless, in good faith, I again propose a realistic monthly payment plan as an equitable path forward that reflects the actual cash flow constraints of my business. This remains the most efficient and mutually beneficial path toward resolution.
  
  Sincerely,
  
  ***** *******

  Business Response

  Date: 04/10/2025

  We remain open to working collaboratively within the scope of the existing agreement and our companys policies. We urge Ms. ******* to contact her account representative directly to explore any viable resolution.

  Customer Answer

  Date: 04/15/2025

   
  Complaint: 23178950
  
  I am rejecting this response because: it does not outline the options here on the site with BBB as witness. I want to state these things:Original Merchant Deal Advance:
  Date of Advance: 12/5/2024
  Amount Advanced: $4,000.00, amount of $3600 was received after fees were taken out
  Merchant Deal Advance Fee: $2,160.00
  ACH Setup Fee: $99.00
  Origination Fee: $199.00
  Wire Fee: $50.00
  Initial Total Debt:
  $4,000 (principal) + $2,160 (advance fee) + $99 + $199 + $50 (other fees) = $6,508.00
  However, the statement lists an initial total of $6,160.00, likely reflecting the principal plus some selected fees (Advance fee + Setup fees, etc.).
  Payments Made (Excluding Fees & ******************start="671" data-end="674"> Starting from 12/6/2024 until 2/13/2025, recurring automatic deductions labeled as ************************** have been taken from your account:
  Most payments are $94.77 each, with several missed payments (NSF fees).
  Counting all $94.77 payments, plus notable lump-sum deductions:
  Total recurring payments (each of $94.77): 38 payments = $3,601.26
  Vader Mountain Capital inaccurately represented the nature of the financial arrangement, which involved unreasonable and predatory terms, including an effective annual percentage rate (APR) of approximately 444% for a loan amount of $3,600, repayable in 97 days.
  Despite multiple good-faith attempts by the debtor to resolve and renegotiate terms in a fair and equitable manner, Vader Mountain Capital has refused to cooperate or accept reasonable monthly repayment plans offered by the debtor.
  The debtors business model and revenue structure have been misrepresented by Vader Mountain Capital, which incorrectly portrays the debtors business as one with daily cash flow, contrary to its actual structure of weekly or monthly receivables.
  Vader Mountain Capital prematurely and unfairly escalated the matter by filing this UCC lien without allowing adequate negotiation or consideration of repayment terms that reflect the debtors financial reality and good-faith efforts to resolve the issue.
  The debtor has already repaid approximately $3,800 on the original $3,600 principal, with remaining interest accumulating to approximately $6,000, which underscores the unreasonable and excessive nature of Vader Mountain Capital's claims.
  The debtor disputes the characterization of the transaction as a sale of "Future Receipts" rather than an assignment for security. The terms outlined by Vader Mountain Capital effectively represent secured lending with excessively punitive repayment terms, rather than a bona fide sale. The prohibitive conditions stated by Vader Mountain Capital, specifically barring the debtor from obtaining any additional financing, further indicate the true nature of the agreement as a secured loan rather than a genuine sale of receivables.
  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:03/20/2025

  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 high interest short term business loan from this company. I completed all verifications. Requests for information. Linked my bank account signed final contracts and closed on my loan for this company to retract my loan after closing before funding. They made a claim of credit issues that had not changed from the initial application through the closing phase. I made business commitments based upon my approval and closing that I am not forced to back out of and damage my business reputation because of their actions

  Business Response

  Date: 03/20/2025

  Dear *****,

  We appreciate your feedback and understand your frustration. However, wed like to clarify that Vader Mountain Capital does not provide loans but rather offers working capital by purchasing future receivables. Each application undergoes a thorough review process, and not all submissions meet the final underwriting criteria required for funding.

  While we regret that we were unable to move forward in this instance, we always strive to conduct business with transparency and integrity. We encourage applicants to review all terms and requirements carefully and appreciate the opportunity to evaluate your request.

  If you have any further concerns, feel free to reach out to our team directly.

  Best regards,

  
  Vader Mountain Capital

• Initial Complaint

  Date:03/10/2025

  Type:Service or Repair 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.

  In July 2024 I signed a contact with Vader services to fund by business. I was drafted a daily rate of $91.20 for a total loan of $3100. By August 2024, I had paid Vader services $1500. By mid august my business account where the money was drafted had become compromised and was eventually closed. As of January 2025 I was contacted by a representative of Vader to settle for an amount of $2000 which at the time I did not have. As a result of today March 10, 2025 a customer of mines received a legal document with my personal information with my balance due to Vader services. So now I have total strangers knowing all of my personal information on a state wide level. This is not okay because I have yet to have anything received on my end. Just text messages asking if I would like more funding. No one in their right mind would agree to no such thing to have their personal information leaked , non the less leaked to a total stranger. I also contacted the attorneys *************************************** PLLC that they are using to send out these letters to people that have only bought a $5 retail product from me. I will be perusing legal action.

  Business Response

  Date: 03/11/2025

  Dear Better Business Bureau,

  We appreciate the opportunity to respond to this complaint.

  Vader Mountain Capital takes client confidentiality seriously. We do not share client information beyond the necessary parties involved in the collection process, which in this case is ********** & *********, PLLC. We do not contact our clients' customers under any circumstances.

  This merchants account was outsourced to collections due to non-responsiveness and failure to fulfill payment obligations. Despite multiple attempts to resolve the matter directly, the merchant remained unresponsive. Their file has been placed with ********** & *********, PLLC, who may be reached at ************** or ******************************* for further discussion.

  We remain open to working out a resolution with the merchant but require active cooperation from their side. If they wish to discuss potential arrangements, we encourage them to reach out directly to us or to the legal firm handling their case.

  Sincerely,

  Vader Mountain Capital

• Initial Complaint

  Date:02/21/2025

  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.

  Aggressive and misleading very aggressive loans threatening speech

  Business Response

  Date: 03/10/2025

  Dear *******,

  Vader Mountain Capital takes customer concerns very seriously, and we appreciate you bringing this matter to our attention. We are committed to transparency and ethical business practices, and we would like to address your concerns directly.

  
  Please reach out to us at ************ and a member of our team will be happy to discuss your experience and work toward a resolution.
  We look forward to assisting you.
  

  
  

• Initial Complaint

  Date:01/28/2025

  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.

  IN REGARDS TO ******************************, VADER MOUNTAIN SERVICING IS A PREDATORY LENDER WHOM I ENTERED INTO A LOAN AGREEMENT WITH ON 9/5/2024. UNFORTUNATELY DUE TO SOME UNFORESEEN FRAUD ISSUES ON THE ACCOUNT I HAD PAYMENTS DRAFTED FROM HAD TO BE CLOSED. AT LEAST 2 PAYMENTS WERE PROCESSED ON 9/5 AND 9/6/2024. VADER MOUNTAIN SERVICING CALLED AND EMAILED ME ALMOST DAILY FOR MONTHS WELL INTO NOVEMBER 2024. THEY CONTINUED TO ASK ME TO ENTER INTO AN AGREEMENT TO REPAY IN ORDER TO AVOID THE ***** OF A *** **** FILING. ON 12/10/2024 I WAS NOTIFIED OF A ******** FILED AGAINST MY BUSINESS BY VADER MOUNTAIN. THE *** **** IS DATED AS BEING FILED ON 9/10/2024. THIS WAS 5 DAYS AFTER I RECEIVED THE LOAN. HOW IS IT BOTH POSSIBLE THAT THEY FILED A **** IN SEPTEMBER AND THAT THEY WERE EMAILING ME IN NOVEMBER TO SET UP AN AGREEMENT TO AVOID THE **** THEY CLAIM TO HAD ALREADY FILED? THIS INFORMATION IS INACCURATE AND FALSELY REPRESENTED. I HAVE BEEN IN CONTACT WITH THE *** FIRM APPOINTED BY VADER MOUNTAIN WHI INFORMED ME THAT THE **** WAS ACTUALLY FILED 12/2/2024 WHICH WOULD MAKE SENSE CONSIDERING I RECEIVED IT 12/10/2024. WHY IS THE *** FILING DOCUMENT REFLECTING A FILING DATE OF 09/10/2024 AND NOT 12/02/2024? IN ADDITION THE AMOUNT SHOWING DUE ON THE *** LEIN IS INCORRECT AND DOES NOT REFLECT ACCURATELY THE PAYMENTS RECEIVED BY VADER MOUNTAIN THAT SHOULD HAVE BEEN APPLIED TO MY ACCOUNT ON 9/5 AND 9/6/2024. VADER MOUNTAIN IS ATTEMPTING TO COLLECT FUNDS FROM MY STRIPE ACCOUNT THAT WERE ACQUIRED PRIOR TO THE FILING OF THIS ****. THE FUNDS WITH STRIPE WERE ON HOLD FOR AN UNRELATED REASON AND SCHEDULED TO BE RELEASED IN DECEMBER BUT WERE NOT DUE TO THE RECEIPT OF THE *** FILING. AGAIN THESE ARE FUNDS THAT WERE CLEARLY ALREADY IN MY ACCOUNT AND ALREADY HAD A RELEASE DATE BUT ARE NOW STILL BEING HELD DUE TO THIS ERRONEOUS FALSELY FILED *** ****.

  Business Response

  Date: 02/12/2025

  We appreciate your feedback and the opportunity to address your concerns regarding your agreement with Vader Mountain Servicing.

  To clarify, your business received funding on September 5, 2024. As per the agreement, payments were scheduled to be made via ***. While we did receive one payment, you blocked further payments on September 6, 2024, preventing us from collecting the agreed-upon amounts. Despite multiple attempts to contact you via phone and email between September and November 2024 to arrange a resolution, we received no response. Due to the failure to resume payments or set up a new arrangement, a UCC lien was filed on September 10, 2024, in accordance with our contractual rights.

  Regarding your concerns about the UCC filing date, our records confirm that the lien was filed on September 10, 2024, following your unauthorized blockage of payments and non-compliance with the agreement. If you have any documentation suggesting otherwise, we encourage you to share it with our legal team for review.

  Additionally, any funds in your Stripe account that were impacted are a result of the legal processes associated with enforcing the lien. If you believe there are discrepancies regarding your account balance or payments applied, we are willing to review all relevant documentation and provide an updated breakdown.

  Our priority remains to work toward a fair resolution. If you wish to discuss a settlement or payment arrangement, we encourage you to contact ********** and *********, PLLC at **************.

  
  

  Customer Answer

  Date: 02/13/2025

   
  Complaint: 22869955
  
  I am rejecting this response because: I have requested on multiple occasions review of my account balance. My balance should reflect $25,220.72 minus the payment of $1880.91 for a total of $23,339.81. The *** lien filed has inaccurate and false information filed on it as it pertains to my balance and needs to be terminated.

  On the payment statement on 9/4/2024 my balance owed showed as $22,800.
  On 9/5 a payment of $217.14 was drafted from my account and then another on 9/6 in the amount of $217.14 which would bring the balance to $22,365.72. There were 3 fees in the amount of $35 each assessed to my account. Please advise what payments these were for as 2 payments were successful which would not correspond to 3 NSF fees. With these fees factored in although I question the validity of all 3 of them the total balance would be $22,470.72+$2,500 default fee and +$250 UCC fee is a total of $25,220.72. You show a balance due of $25,437.86 Which is a difference of $217.14 and does not account for one of the payments made as shown in the attachment.
  
  Sincerely,
  
  ******* Fair

  Business Response

  Date: 02/13/2025

  Your account has been passed on to the collection agency ********** and *********, **** and we therefore encourage you to contact ********** and *********, PLLC at **************.

  Customer Answer

  Date: 02/13/2025

   
  Complaint: *****************************************************************************************************************************************************
  
  I am rejecting this response because: I have already been in contact with that agency and requested the same information I'm requesting now and also provided the same information to them and still have not received resolve or update to the balance owed. 
  
  Sincerely,
  
  ******* Fair

• Initial Complaint

  Date:12/20/2024

  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.

  On or around September 2024, I was funded for a second loan with Vader Mountain Capital - a few red flags stuck out to me including but not limited to them retaining my business banking details, repeated attempts to re-fund even though I had just initiated a loan. In November 2024, my business account was hacked and funds were stolen. I spoke with Vader as soon as it happened because a freeze was placed on my account so we could investigate. Despite this Vader continued to draw an ACH to date. Despite the increasing amounts of emails and phone calls - our bank has repeatedly informed me, we cannot settle and account with any pending transactions. So what ends up happening is the charge will be blocked but we are required to wait 24 hours. I have asked several times for Vader to pause this ACH attempt for 2-3 business days so we can settle the account and the continue to run it. Then I was told I am being assessed multiple fees and am being subjected to several aggressive ************** position has remained steadfast - I just need a 2-3 business day pause on the *** attempts so we can settle the existing account to move the funds to pay the loan.

  Business Response

  Date: 12/20/2024

  Good afternoon *******,

  Thank you for providing the details regarding this matter.

  It is important to clarify a few key points to ensure there is no miscommunication:

   1.Debit Activity: As noted, our records indicate that no debits have been made from your account since November 18, 2024, when the account was frozen.
  

   2. Pending Transactions: While we understand the inconvenience caused by pending transactions, the recurring ACH debits were part of the agreed-upon remittance schedule outlined in your agreement. These payments are automated, and adjustments require direct communication and mutual agreement.
  

   3. Resolution Attempts: Youve mentioned repeated requests for a 2-3 business day pause to allow account settlement. While we are willing to work with you, we require your active engagement in finding a solution. However, based on our records, there has been limited response or follow-up from your side regarding the resolution.
  

  Given the current situation and the lack of resolution, your account is in breach of contract. If we do not receive a concrete and actionable plan from you within three business days, we will have no choice but to escalate this matter to a collection agency.
  

  To avoid this, we strongly urge you to:
      - Contact us directly at your earliest convenience.
      - Provide a timeline and actionable steps for addressing the overdue payments.

  We are committed to working with you but need your cooperation to move forward.
  If you have any additional questions or would like to discuss this further, please do not hesitate to reach out.