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

Data updated July 2026

C

Grade C · 60.0/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Bepensa Capital, Inc. ranks ahead of 42% of the 5,283 collectors PlainCollector grades - 58% keep a cleaner CFPB record, on 81 all-time complaints and a 92% timely-response rate.

42nd pct
reputation rank of 5,283 graded collectors
81
CFPB complaints, all-time
92%
answered inside the CFPB window
23
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Bepensa Capital, Inc.?

Bepensa Capital, Inc. has accumulated 81 total CFPB complaints across 19 states, with 23 filed in the most recent 12 months against 58 historical complaints before that window. The trailing-12-month volume represents 28.4% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 92% timely-response rate against a 17% consumer-dispute-after-response rate.

Complaints have been recorded across 19 states, led by Florida with 12 and Georgia with 10. Normalized against the full CFPB collector database, the reputation score of 60.0/100 places Bepensa Capital, Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

81

low-volume (CCDB)

Last 12 months

23

28.4% of all-time complaints

Stable →

States active

19

regional footprint

Timely response rate

92%

good band

Consumer disputes

17%

average (vertical avg ~19%)

Reputation grade

C

60.0/100 composite

How does Bepensa Capital, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

60 42nd percentile higher than 42% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Bepensa Capital, Inc. versus the debt-collection vertical average.

Timely response within SLA 91.9%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 16.7%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 33.9%

Share of US states + territories with at least one filed complaint against this collector.

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

How does Bepensa Capital, Inc. compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2023-06 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Bepensa Capital, Inc. contacts you

A grade of C signals how Bepensa Capital, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Bepensa Capital, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Bepensa Capital, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 60.0/100), 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).

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

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.