Debt collection -- Attempts to collect debt not owed -- Complaint #4402139
Complaint Overview
Complaint ID: 4402139
Company: Bepensa Capital, INC.
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Indiana
ZIP Code: XXXXX
Date Received: 2021-05-24T12:00:00-05:00
Date Sent to Company: 2021-05-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I sent Credito Real an Affidavit of Truth signed with notary present XXXX or around XX/XX/XXXX via certified mail and green return receipt They replied with a letter and not another affidavit of truth. They did not rebut any facts. On or around XX/XX/2018 I, XXXX XXXX XXXX administrated a consumer transaction with Credit Real USA on the organization behalf using my credit card ( my SSN ). Pursuant to 15 USC 1602 ( l ), the definition of a credit card is any card, plate or coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My Social Security Card was the credit card I used to administer this credit transaction in which a finance Charge was imposed on XX/XX/18. XXXX XXXX XXXX failed to follow federal Law 15 U.S.C. 1605 regarding a Finance Charge. 15 U.S.C. 1605 states that the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. Credito Real Required me to put a {$4000.00} Cash down which is a violation of this section Also Credit Real USA has been collecting on this account that was Cleary already paid using my credit card ( SSN ) and still tries to collect on this account monthly As the original creditor pursuant to 15 U.S.C. 1602 only I can validate this debt and DO NOT validate this debt.
Frequently Asked Questions
What is Complaint #4402139 about?
Complaint #4402139 was filed against Bepensa Capital, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-05-24T12:00:00-05:00.
How did Bepensa Capital, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Bepensa Capital, INC.?
Yes, visit the Bepensa Capital, INC. company profile at readthecomplaint.com/company/bepensa-capital-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.