CFPB Consumer Complaint Profile
Bepensa Capital, Inc.
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 271
- Total complaints
- Above average
- 65
- Last 12 months
- 91.5%
- Timely response
- Bottom quartile
- 27
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Bepensa Capital, Inc. sits at #752. On response speed it sits at the 20th percentile among companies with 100+ complaints.
- Vehicle loan or lease
- most-complained product
- FL
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Bepensa Capital, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
91.5% Among the lowest higher than 20% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 49 in 2024 to 61 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 1 |
| 2015 | 13 |
| 2016 | 8 |
| 2017 | 8 |
| 2018 | 12 |
| 2019 | 6 |
| 2020 | 17 |
| 2021 | 28 |
| 2022 | 28 |
| 2023 | 28 |
| 2024 | 49 |
| 2025 | 61 |
| 2026year in progress | 12 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Bepensa Capital, Inc.
The CFPB Consumer Complaint Database shows a multi-regional complaint footprint for Bepensa Capital, Inc., with consumers across the country filing against it. The single largest complaint category is "Vehicle loan or lease," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Improper use of your report," a reasonable starting point for understanding recurring friction.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Bepensa Capital, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (20% here).
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Bepensa Capital, Inc. have?
The CFPB has logged 271 complaints against Bepensa Capital, Inc. to date, of which 65 came in over the last 12 months.
Does Bepensa Capital, Inc. respond to complaints on time?
Bepensa Capital, Inc. has a 91.5% timely response rate to CFPB complaints.
What product generates the most complaints for Bepensa Capital, Inc.?
"Vehicle loan or lease" draws more CFPB complaints against Bepensa Capital, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Bepensa Capital, Inc.?
"Improper use of your report" is the single most frequently cited issue in complaints against Bepensa Capital, Inc. - see all issues and counts above.
How do I file a complaint against Bepensa Capital, Inc.?
You can file a complaint against Bepensa Capital, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Bepensa Capital, Inc.?
The CFPB has recorded complaints against Bepensa Capital, Inc. from 27 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.