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Business Profile

Financial Services

1803 Capital Edge Financial LLC.

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for 1803 Capital Edge Financial LLC.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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1803 Capital Edge Financial LLC. has 2 locations, listed below.

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    Customer Complaints Summary

    • 11 total complaints in the last 3 years.
    • 4 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:06/09/2025

      Type:Billing Issues
      Status:
      Unanswered
      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 writing to dispute multiple unauthorized hard inquiries that have appeared on my credit report. I did not apply for credit with these companies, nor did I give consent for them to access my consumer report. The following inquiries were made without my knowledge or permission:Credit ******** 09/10/2024 ***************************** 03/01/2024 Consumer Portfolio Services 03/01/2024 OneMain Financial 03/01/2024 1803 Capital, LLC 03/01/2024 These inquiries are violations of the Fair Credit Reporting Act (15 U.S.C. 1681b), which requires that a consumer report can only be accessed with a permissible purpose and consumer authorization. I have not initiated any transactions, accounts, or business with these companies.I have mailed certified dispute letters to each creditor, demanding deletion of the inquiries and a $1,000 settlement as allowed under 15 U.S.C. 1681n for willful noncompliance.

      Customer Answer

      Date: 06/29/2025

      [A default letter is provided here which indicates that the business has not responded to you directly.  If you wish, you may update it before sending it.]As of today, June 29, 2025, I have not been contacted by 1803 Capital Edge Financial LLC regarding my complaint (ID ********* filed on June 7, 2025.


      I am following up within the 5-day timeframe as requested. The business has not provided any communication or resolution directly to me regarding the matter, despite the documents and identity theft report I submitted.


      Please keep this complaint open and escalate it as unresolved.


      Sincerely,
      ****** ******


    • Initial Complaint

      Date:05/12/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      ive constantly paid my bill on time and on multiple occassions it seems to be a bill about being behind asf in its money laundering or something. once you get on the plan you cant alter it in anyway

    • Initial Complaint

      Date:03/05/2025

      Type:Sales and Advertising Issues
      Status:
      Unanswered
      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.
      My car had recently got repossessed last night while I was getting ready for work. Then I tried calling Edge Financial Services all day trying to get my car back numerous times, but no response at all. I even sent them 4 different voicemails and 2 emails to get in touch for payment arrangements, still no response at all. I think they’re not really helping or reaching back out that caused me to lose my job.

    • Initial Complaint

      Date:09/16/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      1803 CAPITAL ************************************************** Phone: ************** Account #:********* I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance.Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in ****** v. Equifax Information Services LLC (D. Ariz. 2018), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100% accurate credit information.I have maintained a careful record of my communications with you for the purpose of filing a complaint with the *** should you continue in your non-compliance.I further remind you that, as in White v. ******************************, 993 F. Supp. 2d 1154 - Dist. Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

      Business Response

      Date: 10/31/2024

      Attached are the supporting documents showing the cause for repossession: the loan default. The information reported to the credit agencies is correct due to the loan default in which ***** D ****** is a co-buyer. The included documents are the contract, payment history, notice of default, and notice to sell the property. If any additional information is needed, please contact our office at ************. 

    • Initial Complaint

      Date:07/12/2024

      Type:Billing Issues
      Status:
      Answered
      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 had problems making payments when I first purchased the car. Couldnt get in contact with anyone there was marked on my credit as late fee. I had a small disagreement over the phone with Ms.****** over late fees as she stated I was 2 months behind because I havent sent in my full payments and they came to repo the car BY DEFAULT

      Business Response

      Date: 07/22/2024

      In response to ***************************** complaint regarding the actions taken by 1803 Capital on her delinquent loan.  1803 Capital acted in good faith and in accordance with the contract signed by *************************.  ******************** loan is due 4/23/24, for $2053.05 plus $20.00 per day storage fees. 1803 Capital received a notice of insurance cancellation on 4/5/24 and verified again on 7/11/24. **************** is required to maintain insurance on her vehicle at all times. 1803 Capital has offered **************** various solutions to assist in retrieving her vehicle.

      Customer Answer

      Date: 07/22/2024

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

      [Provide details of why you are not satisfied with this resolution.] 

      I just gave them 400 June 25th so I have no idea how they saying anything about April 

      Regards,

      *************************

       


      Business Response

      Date: 07/25/2024

      Good morning,

      Attached is a copy of your transaction history with1803 Capital.  Please take a moment to review for accuracy.  If I can be of any assistance, please give me a call at ************. 

       

    • Initial Complaint

      Date:06/03/2024

      Type:Customer Service Issues
      Status:
      Resolved
      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.
      Dear Better Business Bureau,I am writing to formally file a complaint against 1803CAPITA (1803 Capital LLC) for a violation of the Fair Credit Reporting Act (FCRA) concerning the permissible use of my credit information. The date of the unauthorized inquiry by 1803CAPITA is listed below:Creditor: 1803CAPITA Date of Inquiry: 8/9/2023 Under the ***** specifically 15 U.S.C. 1681b, credit reporting agencies may furnish consumer reports only under certain circumstances and for permissible purposes, such as in response to a court order, with the written consent of the consumer, or for a credit transaction initiated by the consumer, among other specified uses. Unauthorized access to my credit report is a clear violation of these provisions.I have not initiated any credit transactions with 1803CAPITA that would warrant such unauthorized access to my credit report. This inquiry has negatively impacted my credit score and caused undue stress and inconvenience.I request that the Better Business Bureau take immediate action to investigate this unauthorized credit inquiry. 1803CAPITA must be held accountable for violating the permissible use provisions under the ***** I also request that the unauthorized inquiry be removed from my credit report and that corrective measures be put in place to prevent future violations.Sincerely ************************* SS:#****

      Business Response

      Date: 06/14/2024

      1803 Capital will remove the inquiries from the consumer's credit reporting tradelines. 

    • Initial Complaint

      Date:10/09/2023

      Type:Billing Issues
      Status:
      Answered
      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.
      victim of identity theft, not my debt

      Business Response

      Date: 10/16/2023

      In response to Ms. ****************** claim of Identification Theft in the purchase of a 2015 ****** Altima from Modern Auto Sales financed through **** Capital. We are submitting supporting documents to validate the identity of the buyer to dispute the claim. The following documents are attached to this file to support our findings. Customer payment history with funding source, signed contract, interview form with recording,signed purchase application, **** of America banking statement, list of family and friends used as references, signed bill of sale, and insurance documents with Ocean Harbor Casualty INS. ** in the name of *******************************, and a *********************** with a photo in the name of Quonteria ****************** listed at the matching home address in our files.  If any additional information is needed to support our findings, please contact us at ************. 

    • Initial Complaint

      Date:09/26/2023

      Type:Billing Issues
      Status:
      Answered
      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.
      Re: Notice of Violation of the Fair Credit Reporting Act (FCRA) - Removal of Inaccurate Information from My Credit Report ********************* I am writing to formally bring to your attention a serious matter regarding my credit report, which has caused substantial mental stress and financial harm due to inaccurate and false information reported on my credit file. I have made diligent efforts to address this issue with both the original creditors and your agency but have received no resolution. This letter serves as a Notice of Violation of the Fair Credit Reporting Act (FCRA) and a formal demand for the immediate removal of the inaccurate and false accounts from my credit file. Please be advised that I have retained legal counsel, and if these accounts are not removed within three (3) business days from the date of this letter, we will proceed with filing a claim in small claims court to seek remedies for these violations.I urge you to take immediate action to investigate these accounts, confirm their inaccuracy, and remove them from my credit file. Failure to do so will compel me to proceed with a claim in small claims court to seek remedies for the violations of my rights under the ***** including damages for the mental stress and financial harm I have endured. I have retained an attorney , who will represent me in this matter. Please consider this letter as my final attempt to resolve this matter amicably before pursuing legal action. I request that you send written confirmation of the removal of the aforementioned accounts from my credit report within three (3) business days from the date of this letter.Thank you for your prompt attention to this matter. I trust that you will take the necessary actions to rectify these violations and prevent the need for further legal action.Sincerely,*************************

      Business Response

      Date: 09/29/2023

      In response to Ms. ******************** claim of Identification Theft in the purchase of a 2016 **** Fusion from ************. financed through **** Capital. We are submitting supporting documents to validate the identity of the buyer to dispute the claim. The following documents are attached to this file to support our findings. Customer payment history with funding source, signed contract, interview form with recording, signed purchase application, list of family and friends as references, earnings statements for *****************************, 3 months of banking statements with Navy Federal for *************************************, signed bill of sale, insurance documents with Progressive in the name of ******************************* and *************************, and Georgia Drivers License with photo in the names of *************************** and *************************************.  If any additional information is needed to support our findings, please contact us at ************.

    • Initial Complaint

      Date:09/25/2023

      Type:Billing Issues
      Status:
      Answered
      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 have previously sent certified mail letters to the original creditors of these accounts, requesting debt validation and providing them with a reasonable opportunity to respond, as required by the law. However, I have not received any response from the original creditors within the legally mandated time frame. I have attached each letter that has been sent out with no response. The **** clearly stipulates that credit bureaus must investigate and remove inaccurate information within a reasonable time frame. My request for removal of these accounts is well within the bounds of the law and is based on the following **** provisions:Section ****s-2(b) - Responsibilities of furnishers of information to consumer reporting agencies.Section ****i - Procedure in case of disputed accuracy.Section ****e - Compliance procedures.Section ****o - Civil liability for willful noncompliance.I urge you to take immediate action to investigate these accounts, confirm their inaccuracy, and remove them from my credit file. Failure to do so will compel me to proceed with a claim in small claims court to seek remedies for the violations of my rights under the ****, including damages for the mental stress and financial harm I have endured. I have retained an attorney , who will represent me in this matter. Please consider this letter as my final attempt to resolve this matter amicably before pursuing legal action. I request that you send written confirmation of the removal of the aforementioned accounts from my credit report within three (3) business days from the date of this letter.

      Business Response

      Date: 09/26/2023

      In response to ***************************************** claim of Identification Theft in the purchase of a 2016 **** Fusion from ************. financed through **** Capital. We are submitting supporting documents to validate the identity of the buyer to dispute the claim. The following documents are attached to this file to support our findings. Customer payment history with funding source,signed contract, interview form with recording, signed purchase application,list of family and friends as references, earnings statements for ***************************, 3 months of banking statements with Navy Federal for ***********************************, signed bill of sale, insurance documents with Progressive in the name of ******************************* and *************************, and Georgia Drivers License with photo in the names of *************************** and *************************************.  If any additional information is needed to support our findings, please contact us at ************. 

    • Initial Complaint

      Date:08/02/2023

      Type:Billing Issues
      Status:
      Answered
      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 previously reported this business to you because of them charging extra fees and harassing me by calling my phone multiple times a day and sending people to my house unwarranted when they have not did these practices in the past. The company has now taken possession of the vehicle and has demanded I pay in full because they claim I have defaulted on my loan without notice of needing payment for July that they usually send in the mail but have advised that on a recorded phone call that I told them not to call me so that means they will not mail me, when I have never said not to call me, but not to harass me and to not contact me again until after the report from the BBB was finalized per the last recorded call due to the nature of harassment. I admit that I have yet to pay my July bill that was due July 6th, however; I firmly believe this is retaliation for reporting them and their practices to you. I know that I have never told them to not contact me. I did advise that I would be reporting them and that they should not contact me until the report was received. As per the recorded phone call that was made the day of the report. And I did advise on the same call that I would be making my payment on that Friday the week of the call and which I did. I have stuck to my word and did my due diligence; I have not received notice and as previously stated; I have defaulted for 3 months in the past and none of these actions were taken; now because I was harassed and had fraudulent charges added onto my account and stood up for myself means that I am being punished and retaliated against.

      Business Response

      Date: 08/23/2023

      This is in response to concerns submitted by ****************** with the Better Business Bureau regarding collections practices and retaliation claims while her loan was being serviced by **** Capital.   Attached are supporting documents to address each of Ms. ******** concerns. The contract will detail the various fees and expenses associated with servicing the loan once the customer defaults on the agreement.Alternative methods of communication were used once ****************** requested that the staff with **** Capital stop calling her telephone. This action is required once a customer requests that a vendor stop calling their telephone, there is a legal obligation to immediately process the request.  At this point, a third-party vendor was hired for face-to-face communication at a direct cost to the customer once the loan fell into ****** default status. Also included in the attachments are our Involuntary Repossession Procedures and the customers payment history supporting the need to take the appropriate actions.  If any further assistance is needed on this case, please feel free to contact our customer service team at ************. 

    1803 Capital Edge Financial LLC. is NOT a BBB Accredited Business.

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