Consumer complaint received 2017-01-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bepensa Capital, Inc.
State: IN

Complaint narrative:
I received a car loan from AFS corporation on XX/XX/XXXX. I have been paying on loan regularly and on time. The monthly payments were around XXXX dollars a month. I paid almost XXXX dollars into the vehicle until, I lost my job XX/XX/XXXX in which I was with for over five years. I have been reaching out to the finance company in which I thought would be their for me. I was wrong, I tried borrowing the money I could not get any help due to my family members having it hard themselves. XX/XX/XXXX the vehicle was gone it was repossessed. I knew they would come and get it soon, but they took it like a thief in the night. I would have given them the keys, if they would have rung the door bell, because of the non payment. I had items in the vehicle in which the company never returned. I started receiving phone calls from my representation whom was XXXX XXXX then it was given to another individual by the name of XXXX XXXX. I was looking for a job everyday nothing, I even filed for unemployment in which, i received but found out I owed a over payment and that money, I was goingXXXX to receive was being paid towards that amount of XXXX dollars. I loved and worked hard for this vehicle to loss it. So after speaking with XXXX for a while it was then transferred over to XXXX XXXX whom I spoke with on a continuous basis. I even filed a complaint with the XXXX and we can to an agreement of {$3000.00} XXXX XXXX even agreed to it on the phone my boyfriend even heard him say it and after he agreed he hung up after hearing my boyfriend voice on the phone, he thought we were the only ones on the phone, I needed proof form another party. I later received an agreement settlement for {$6000.00} in which I never agreed upon so the XXXX closed the case. The vehicle was later sold at an auction, in which I was never informed of the auction date, time, or location. They never gave me the option of getting the vehicle back. I received a letter stating I owe XXXX dollars? How is that possible when I paid that much into the vehicle, time passed and nothing was said it only showed charge off on my credit report. I started cleaning up my credit report in which I hired a company to do, then I received a letter from XXXX XXXX XXXX a firm in XXXX, XXXX whom is representing AFS in XXXX, XXXX they file a summons against me. I was hurt and disappointed that this company received all this money and now this they are so dishonest. I responded to the summons but it was to the XXXX and XXXX I did not read full document. I was to respond to the court, after speaking with a lawyer, I responded to the court now am waiting on response. I have documentation from XXXX and the company. I may owe something but not XXXX dollars the loan amountt was only XXXX this make me feel humiliated knowing this company is lying against me. I just want to pay the different and move forward and that difference is not XXXX dollars. I need help please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation