What is the most common complaint against Bepensa Capital, Inc.?

The most common issue consumers report about Bepensa Capital, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 81 complaints filed with the CFPB.

Are complaints against Bepensa Capital, Inc. increasing or decreasing?

Complaints against Bepensa Capital, Inc. have been stable. The company received 23 complaints in the last 12 months.

What is Bepensa Capital, Inc.'s reputation grade?

Bepensa Capital, Inc. has a reputation grade of C (score: 56.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Bepensa Capital, Inc. respond to consumer complaints?

Bepensa Capital, Inc. has a 92% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does Bepensa Capital, Inc. operate?

Bepensa Capital, Inc. has received CFPB complaints from consumers in 19 states, with the most complaints from Florida (12 complaints).

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

Bepensa Capital, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 19 states, reputation grade C.

Compiled by PlainCollector

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

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 #921 · compose #2981

VOL 81
GRADE C
12MO 23
STATES 19
TIMELY 92%
DISPUTE 17%
ISSUE Attempts to collect debt n…
RANK #921
COMPOSE #2,981

Volume peers

Nearest volume peer: Account Management Resources (81 complaints)

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 →

Distributed filing map

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

Despite a broad state map, Bepensa Capital, Inc. still sits volume #921 against composite #2,981 - the two RankMaps diverge by 2,060 places. 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
Divergent corpus ranks: #921 volume; #2,981 composite; Cleanest-composite ladder is 2,060 places worse than volume

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

268

Timely-response ratehigher is better

92%

94%

91%

Consumer-dispute ratelower is better

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Florida

12
Georgia

10
Pennsylvania

8
Texas

8
North Carolina

7
Maryland

6
South Carolina

6
Indiana

5

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.