CFPB · Diversified product mix
Bepensa Capital, Inc.
289 CFPB complaints · diversified mix (top product 29.4%) · top issue Incorrect information on your report.
Bepensa Capital, Inc.: top product "Vehicle loan or lease" is only 29.4% of 289 - multi-bucket mix. Timely 92% · relief 0.7%. Allegations, not findings.
- Diversified product mix
- +2900% filings 2014 to 2026
CFPB relief outcome brief
CCDB company bepensa-capital-inc
0.7% relief · 92% timely · 289 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: Premier Auto Credit (0.8% relief)
Bepensa Capital, Inc. closes 0.7% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Bepensa Capital, Inc.'s 289 filings include narrative text
45.7% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Bepensa Capital, Inc. complaint mix by product
- Vehicle loan 85 29.7% – 2% relief
- Debt collection 81 28.3% – 0% relief
- Credit reporting 54 18.9% – 0% relief
- Credit reporting, 40 14.0% – 0% relief
- Consumer Loan 19 6.6% – 0% relief
- Payday loan, 4 1.4% – 0% relief
- Checking or 3 1.0% – 0% relief
How Bepensa Capital, Inc.'s 289 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 85 |
| Debt collection | 81 |
| Credit reporting or other personal consumer reports | 54 |
| Credit reporting, credit repair services, or other personal consumer reports | 40 |
| Consumer Loan | 19 |
| Payday loan, title loan, or personal loan | 4 |
| Checking or savings account | 3 |
| Credit card or prepaid card | 1 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Debt or credit management | 1 |
Where Bepensa Capital, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 15.2% of this company's filings
Bepensa Capital, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 30
- +2900% vs 2014
Top States
| State | Complaints |
|---|---|
| FL | 44 |
| TX | 33 |
| GA | 29 |
| PA | 23 |
| IL | 20 |
| SC | 17 |
| NC | 15 |
| MD | 14 |
| IN | 14 |
| AL | 10 |
| NJ | 8 |
| AZ | 8 |
| TN | 7 |
| VA | 6 |
| OH | 6 |
| LA | 5 |
| MI | 5 |
| NY | 4 |
| CA | 4 |
| DC | 3 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 44 |
| Improper use of your report | 42 |
| Managing the loan or lease | 29 |
| Attempts to collect debt not owed | 27 |
| Written notification about debt | 17 |
| Problem with a company's investigation into an existing problem | 17 |
| Took or threatened to take negative or legal action | 15 |
| Struggling to pay your loan | 15 |
| Problems at the end of the loan or lease | 15 |
| Repossession | 11 |
| Getting a loan or lease | 8 |
| False statements or representation | 8 |
| Problems when you are unable to pay | 8 |
| Communication tactics | 7 |
| Taking out the loan or lease | 4 |
| Cont'd attempts collect debt not owed | 3 |
| Problem with a credit reporting company's investigation into an existing problem | 3 |
| Threatened to contact someone or share information improperly | 2 |
| Other features, terms, or problems | 1 |
| Credit monitoring or identity theft protection services | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 1 | 100% |
| 2015 | 13 | 100% |
| 2016 | 8 | 100% |
| 2017 | 8 | 100% |
| 2018 | 12 | 66.7% |
| 2019 | 6 | 33.3% |
| 2020 | 17 | 17.6% |
| 2021 | 28 | 96.4% |
| 2022 | 28 | 100% |
| 2023 | 28 | 100% |
| 2024 | 49 | 100% |
| 2025 | 61 | 100% |
| 2026 | 30 | 100% |
Source: CFPB Consumer Complaint Database
Bepensa Capital, Inc. spreads across product buckets
Bepensa Capital, Inc.'s 289 logged complaints stay concentrated: only 29 states show a filing. 45.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2026-06-18.
Bepensa Capital, Inc. answers 92% of complaints inside the CFPB's tracked window and closes 99.3% with a written explanation. 0.7% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Vehicle loan or lease" draws the most filings, most often for "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Bepensa Capital, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Bepensa Capital, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 289.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 92%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Bepensa Capital, Inc. (92% timely; 0.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix