CFPB Consumer Complaint Profile
Bepensa Capital, Inc.
271 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-05-15
- 271
- Total complaints
- 65
- Last 12 months
- 91.5%
- Timely response
- 27
- States affected
The verdict
Among 3,848 financial companies tracked by CFPB complaint volume, Bepensa Capital, Inc. sits at #754, with 271 complaints logged. It answers 91.5% of complaints on time - below the 93% median for companies with 100+ complaints.
- #754
- of 3,848 companies by volume
- 91.5%
- answered on time
- Vehicle loan or lease
- most-complained product
- 27
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
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 |
| 2026 | 12 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Bepensa Capital, Inc.
The CFPB Consumer Complaint Database has logged 271 complaints against Bepensa Capital, Inc. overall, with 65 of those filed in the trailing 12 months. Reports have come from consumers in 27 states and territories, making this a multi-regional complaint footprint. 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.
91.5% of CFPB-forwarded complaints against Bepensa Capital, Inc. get a reply inside the Bureau's 15-day window. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Consumers formally disputed the company's response in 20% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 0.7% closed with some form of monetary or non-monetary relief to the consumer.
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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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.
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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~271)
Also handles Vehicle loan or lease
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.