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Data / Consumer complaints / Bepensa Capital, Inc.

Bepensa Capital, Inc.: 151 CFPB consumer complaints in the last 3 years

Bepensa Capital, Inc. drew 151 consumer complaints in the CFPB database in the three years to November 6, 2026, and 295 since 2014. The largest group, 57, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 26. The company responded on time to 100.0% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 151Complaints, last 3 years
  • 295Complaints, all years
  • 100.0%Responded on time
  • 0.0%Closed with relief
  • 6Products
  • Aug 12, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 636
202561
202449
202328
202228
202128
202017
20196
201812
20178
20168
201513
20141

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

Issues

IssueComplaintsShare
Incorrect information on your report2617.2%
Improper use of your report2113.9%
Problem with a company's investigation into an existing problem1711.3%
Attempts to collect debt not owed1610.6%
Repossession127.9%
Problems at the end of the loan or lease117.3%
Took or threatened to take negative or legal action117.3%
Managing the loan or lease96%
Written notification about debt96%
False statements or representation53.3%
Getting a loan or lease42.6%
Communication tactics21.3%
Struggling to pay your loan21.3%
Charged fees or interest you didn't expect10.7%
Charged upfront or unexpected fees10.7%
Opening an account10.7%
Problem caused by your funds being low10.7%
Problem with a lender or other company charging your account10.7%
Threatened to contact someone or share information improperly10.7%

How the company responded

Company responseComplaintsShare
Closed with explanation151100%

States

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
August 12, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
August 6, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 28, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 15, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
June 24, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
June 18, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
June 10, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 27, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
May 27, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 26, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
May 22, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
May 21, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 5, 2026Vehicle loan or leaseIncorrect information on your reportClosed with explanationconsumerfinance.gov
May 5, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
May 5, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
May 1, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 1, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
April 28, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
April 21, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
April 14, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 13, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 8, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
April 6, 2026Vehicle loan or leaseIncorrect information on your reportClosed with explanationconsumerfinance.gov
March 21, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
March 20, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
March 13, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 8, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
February 26, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
February 24, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
February 23, 2026Vehicle loan or leaseGetting a loan or leaseClosed with explanationconsumerfinance.gov
February 23, 2026Vehicle loan or leaseGetting a loan or leaseClosed with explanationconsumerfinance.gov
February 4, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
February 4, 2026Vehicle loan or leaseProblems at the end of the loan or leaseClosed with explanationconsumerfinance.gov
January 17, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
January 10, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
January 6, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
December 14, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
December 10, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
November 19, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 18, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 12, 2025Vehicle loan or leaseProblems at the end of the loan or leaseClosed with explanationconsumerfinance.gov
November 11, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
November 6, 2025Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
November 2, 2025Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
October 21, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 14, 2025Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
October 10, 2025Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
October 8, 2025Vehicle loan or leaseGetting a loan or leaseClosed with explanationconsumerfinance.gov
October 3, 2025Vehicle loan or leaseProblems at the end of the loan or leaseClosed with explanationconsumerfinance.gov
September 26, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.