Consumer complaint received 2024-03-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bepensa Capital, Inc. (IL)

I recently filed a claimed on this company for excessive charging for the XXXX insurance. I tried very hard to work with XXXX, even though, I felt that the charges that I was being told I owed, I disagreed with. After going back and forth with XXXX and FINBE USA, I decided to pay the amount that they advised I owed for the remaining balance of the XXXX XXXX to resolve the matter. I paid a total of XXXX, which was suppose to be the XXXX not XXXX, which I have in writing that he did the calculations wrong. As well as my car payment for that month. He confirmed with me over the phone that I was all set and asked if I could close out the claim. The lawyer XXXX XXXX, responded to the claim advising that I paid the remaining balance and that matter was resolved. Wednesday, I received a vm left from one of the representative advising that My XXXX payment was behind for the XXXX insurance. I asked to speak with accountant due to being told several times by XXXX that issue was resolved and now here it is a month later, and they are telling me I owe another XXXX. When I heard this information, I was extremely upset. I trusted that XXXX was willing and capable of doing his job. Clearly he wasn't. When I finally spoke to XXXX, he said oh let me take a look. I'm extremely confused and starting to feel like this company is forcing me to pay the entire policy even though I didn't use it the entire time. XXXX called me back and basically tried to say that it still due. I ended paying the payment for XXXX. I originally paid my car note for the XXXX on XX/XX/year>. I called several times trying to speak with the account dept and was told by XXXX, that he wouldn't allow me to speak with him, and he will call me back. Never received a call but got an email advising that oh, not only did I have to pay the XXXX but that I was also late for interest 2 days past my due date. I paid my car note almost XXXX weeks before it was even due. I called the lawyer twice and XXXX expressing my concern and wanting to be able to work with someone else that was able to resolve this issue and not Nickle and dime me. No call was ever return from the lawyer nor management to even acknowledge my request. During this entire time, XXXX has tried serval times to connect with me on a personal level. Gave me his personal cell number request to follow me on XXXX. I ignored the txt messages and never followed him back on XXXX. Now, here we are 2 weeks after ignoring him my account is messed up after both XXXX and the Lawyer said I satisfied my debt, to my account being back over due and no good reason for it. Im not even able to see my payments that were paid and I also believe that this company is applying more than what should be applied for interest and less to my principal on purpose. THIS COMPANY IS A FRAUD. FINBE USA needs to be investigated, I can only imagine how many other people who are not aware of filing a complaint are going through the same exact thing. The Lawyer doesn't return any calls, There is no where to report any issues that you are dealing with. The reps are ignorant and get paid to talk to you like XXXX while they loop you ion a system to speak to no one. Or you get harasser and lied to by XXXX whom seems to think that he has everyone following his orders. Not to mention all of his calls about XXXX is on a NON RECORDED LINE.