This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade C 81 complaints

Bepensa Capital, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 19 states, reputation grade C.

Complaints by issue type

What consumers report about Bepensa Capital, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record bepensa-capital-inc Bepensa Capital, Inc.

Grade C · 81 CFPB filings · 92% timely · lead issue: Attempts to collect debt not owed

  • VOL 81
  • GRADE C
  • 12MO 23
  • STATES 19
  • TIMELY 92%
  • DISPUTE 17%
  • ISSUE Attempts to collect debt n…
  • RANK #921
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Account Management Resources (81 complaints)

Account Management ResourcesAccount Management Resources81Business Revenue Systems, Inc.Business Revenue Systems, In…81Gordon, Aylworth & Tami, P.C.Gordon, Aylworth & Tami, P.C.81Ragan & Ragan, PCRagan & Ragan, PC81Bepensa Capital, Inc. (this)Bepensa Capital, Inc. (this)81
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Bepensa Capital, Inc.'s 81 CFPB complaints sit next to Account Management Resources on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 81 complaints break down

Every complaint issue type on record for Bepensa Capital, Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
56.7/100
Bepensa Capital, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
81
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
92%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
17%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Bepensa Capital, Inc. spreads filings across 19 states - Florida leads at only 14.8%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
Florida still leads at 14.8% across 19 states
Seasonal peak
2025-09 11.1%
8–15% band · 5 filings
Corpus ranks
#921 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Bepensa Capital, Inc. compare to its peers?

How does Bepensa Capital, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Bepensa Capital, Inc. National average
Complaints (last 12 mo)lower is better
23
0
268
Timely-response ratehigher is better
92%
94%
91%
Consumer-dispute ratelower is better
17%
19%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Bepensa Capital, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 90%92%94%96%98%100% 0%50%100%150% Timely response rate (%) Dispute rate (%) Bepensa Capital, Inc. vs. 7 similar-volume peers, by response speed and dispute rate Bepensa Capital, Inc.Account Management ResourcesBusiness Revenue Systems, Inc.Gordon, Aylworth & Tami, P.C.Ragan & Ragan, PCRecovery Management Solutions LLCLaw Offices Howard Lee Schiff, P.C.QC HOLDINGS INC
Source: CFPB Consumer Complaint Database

Bepensa Capital, Inc.'s complaint volume in context

Bepensa Capital, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

81 Top 17% higher than 83% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). This entry sits in this band. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Bepensa Capital, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2023-06 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
27
Written notification about debt
17
Took or threatened to take negative or legal action
15
False statements or representation
8
Communication tactics
7
Cont'd attempts collect debt not owed
3
Threatened to contact someone or share information improperly
2
Improper contact or sharing of info
1
Electronic communications
1

Where do complaints against Bepensa Capital, Inc. come from?

Bepensa Capital, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Bepensa Capital, Inc.

Across 19 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Bepensa Capital, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 81.

4 peers

Know your rights before responding to Bepensa Capital, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.