Total CFPB complaints
74
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 74 complaints
Bepensa Capital, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 19 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Bepensa Capital, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
23 complaints
- Written notification about debt
Written notification about debt
16 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
10 complaints
- False statements or representation 7
False statements or representation
7 complaints
- Communication tactics 6
Communication tactics
6 complaints
- Cont'd attempts collect debt not owed 3
Cont'd attempts collect debt not owed
3 complaints
C
Grade C · 60.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Bepensa Capital, Inc.?
Bepensa Capital, Inc. has accumulated 74 total CFPB complaints across 19 states, with 25 filed in the most recent 12 months against 49 historical complaints before that window. The trailing-12-month volume represents 33.8% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 92% timely-response rate against a 17% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 19 states, led by Florida with 12 and Georgia with 10, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.0/100 places Bepensa Capital, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
25
33.8% of total history
Rising ↑
States active
19
Distinct state filings
Timely response rate
92%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
C
60.0/100 composite
Response-quality profile
How Bepensa Capital, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 33.3%
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?
Bepensa Capital, Inc. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2022-08 2026-03
Top Consumer Issues
Attempts to collect debt not owed23 (%)
Took or threatened to take negative or legal action10 (%)
Written notification about debt16 (%)
False statements or representation7 (%)
Communication tactics6 (%)
Cont'd attempts collect debt not owed3 (%)
Improper contact or sharing of info1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 11 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 10 |
| Written notification about debt | Didn't receive enough information to verify debt | 8 |
| Written notification about debt | Didn't receive notice of right to dispute | 8 |
| False statements or representation | Attempted to collect wrong amount | 7 |
| Attempts to collect debt not owed | Debt was result of identity theft | 7 |
| Communication tactics | Frequent or repeated calls | 6 |
| Attempts to collect debt not owed | Debt was paid | 5 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Improper contact or sharing of info | Contacted employer after asked not to | 1 |
Where do complaints against Bepensa Capital, Inc. come from?
The states where consumers have filed the most CFPB complaints against Bepensa Capital, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Bepensa Capital, Inc.
Across 19 states with at least one filing
- Florida
Florida
12 complaints
- Georgia
Georgia
10 complaints
- Pennsylvania
Pennsylvania
8 complaints
- Texas
Texas
7 complaints
- Maryland
Maryland
6 complaints
- North Carolina
North Carolina
5 complaints
- South Carolina
South Carolina
5 complaints
- Indiana
Indiana
5 complaints
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 74 complaints filed with the CFPB.
Are complaints against Bepensa Capital, Inc. increasing or decreasing? ▼
Complaints against Bepensa Capital, Inc. are rising. The company received 25 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Bepensa Capital, Inc.'s reputation grade? ▼
Bepensa Capital, Inc. has a reputation grade of C (score: 60.0/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Bepensa Capital, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Bepensa Capital, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |