Vehicle loan or lease -- Struggling to pay your loan -- Complaint #5562659
Complaint Overview
Complaint ID: 5562659
Company: Bepensa Capital, INC.
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Struggling to pay your loan
Sub-Issue: Loan balance remaining after the vehicle is repossessed and sold
State: Florida
ZIP Code: 33441
Date Received: 2022-05-14T12:00:00-05:00
Date Sent to Company: 2022-05-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My Vehicle was repossessed in XXXX of 2021. I never receive the notice of sale as required by Florida law. I have requested a copy of the notice of sale, and all documents related to the auction ( dates, sales price, sales type, location, etc ... ), as well as why the vehicle was transferred in Illinois according to VIN records on XX/XX/XXXX ( did a private sale occur? ). I have not received those documents, which I am entitled to receive by law. I hereby request that they send the documents via the CFPB portal and/or via email at XXXX. I have serious concerns as to why there is a deficiency on the loan. I need records of the accounting related to this loan, specifically how they calculated the deficiency of {$5200.00} ( reported to credit bureau ). The vehicle was allegedly sold in XXXX of 2021. The auto market was already red hot by XXXX of 2021, and I believe the vehicle was worth substantially more than what they sold the vehicle for at auction. They had offered to sell the car back to me for substantially less than what they received at auction, as full satisfaction of the loan. They received a higher sales price at auction, so why are they pursuing a deficiency?
Frequently Asked Questions
What is Complaint #5562659 about?
Complaint #5562659 was filed against Bepensa Capital, INC. regarding Vehicle loan or lease specifically about Struggling to pay your loan. It was received by the CFPB on 2022-05-14T12:00:00-05:00.
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 (Vehicle loan or lease) 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.