Credit bureau · complaint record
1803 Capital complaints
Filed under 1803 Capital, LLC
Consumers have filed 65 complaints about 1803 Capital since 2022, 12 of them in the last 12 months (-56% on the year before). It answered 83.3% on time and closed 0% with relief for the customer. The most common problem is improper use of your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 65
- Last 12 months
- 12
- Answered on time
- 83.3%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #182 of 566
Since June 2022
-56% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Oct 30, 2026
Most complained-about credit bureaus & report companies
1803 Capital complaints by month
The busiest month was August 2025 (7 complaints). Complaints in the last 12 months are down 56% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How 1803 Capital answered all time
- Closed with explanation65100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What 1803 Capital complaints are about
Top 1803 Capital problems
Inside "Incorrect information on your report"
- Information belongs to someone else 10
- Account status incorrect 3
- Account information incorrect 2
Where 1803 Capital complaints come from
Most complaints: Georgia (23), North Carolina (8), Florida (8), Texas (6), Louisiana (2).
1803 Capital compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | 1803 CapitalCredit reporting | - | 12 | - |
Compare side by side: 1803 Capital vs Apple Financing · 1803 Capital vs Nav Technologies · 1803 Capital vs Opportunity Fund · 1803 Capital vs Heritage Financial Group
What people say about 1803 Capital
All experiencesNo experiences with 1803 Capital yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest 1803 Capital complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 30, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 30, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Aug 25, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 23, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 12, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jun 6, 2026 | Auto loans & leases | RepossessionDeficiency balance after repossession | Explained |
| Jun 3, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 18, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Mar 27, 2026 | Auto loans & leases | Improper use of your reportReporting company used your report improperly | Explained |
| Jan 1, 2026 | Auto loans & leases | RepossessionDeficiency balance after repossession | Explained |
| Dec 6, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
Questions about 1803 Capital
How many complaints does 1803 Capital have?
1803 Capital has 65 complaints on record since June 2022, including 12 in the last 12 months and 1 in the last 30 days. That makes it number 1,343 of every company by complaints this year.
Does 1803 Capital respond to complaints?
Yes. 1803 Capital answered 83.3% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with 1803 Capital?
The most common problems are improper use of your report (14), repossession (8), attempts to collect debt not owed (6).
Is 1803 Capital legit?
1803 Capital is a real company with a public complaint record: consumers have complained about it 65 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is 1803 Capital legit? for the signals, red flags and how to protect yourself.
Are complaints about 1803 Capital going up or down?
Down. There were 12 complaints in the last 12 months against 27 in the 12 before (-56%). See every month.
How do I file a complaint against 1803 Capital?
Complain to 1803 Capital in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most 1803 Capital complaints come from?
Most come from Georgia (23), North Carolina (8), Florida (8). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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