Immediate Credit Recovery
214 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Immediate Credit Recovery complaint mix by product
- Debt collection 142 66.4% – 0% relief
- Student loan 65 30.4% – 0% relief
- Credit reporting, 4 1.9% – 0% relief
- Bank account 1 0.5% – 0% relief
- Money transfer, 1 0.5% – 0% relief
- Checking or 1 0.5% – 0% relief
How Immediate Credit Recovery's 214 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 142 |
| Student loan | 65 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
| Bank account or service | 1 |
| Money transfer, virtual currency, or money service | 1 |
| Checking or savings account | 1 |
Top States
| State | Complaints |
|---|---|
| NY | 33 |
| TX | 30 |
| CA | 16 |
| FL | 16 |
| OH | 13 |
| GA | 12 |
| PA | 8 |
| WA | 6 |
| VA | 6 |
| IL | 6 |
| MI | 5 |
| MA | 5 |
| TN | 5 |
| MD | 4 |
| NJ | 4 |
| NC | 4 |
| MO | 3 |
| KY | 3 |
| AZ | 3 |
| IN | 3 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 31 |
| Written notification about debt | 28 |
| Dealing with your lender or servicer | 28 |
| Dealing with my lender or servicer | 21 |
| Communication tactics | 19 |
| Struggling to repay your loan | 15 |
| False statements or representation | 15 |
| Disclosure verification of debt | 14 |
| Cont'd attempts collect debt not owed | 13 |
| Took or threatened to take negative or legal action | 12 |
| Taking/threatening an illegal action | 5 |
| Improper contact or sharing of info | 4 |
| Incorrect information on your report | 4 |
| Account opening, closing, or management | 1 |
| Problem with a company's investigation into an existing issue | 1 |
| Fraud or scam | 1 |
| Threatened to contact someone or share information improperly | 1 |
| Managing an account | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 4 | 100% |
| 2014 | 15 | 100% |
| 2015 | 14 | 85.7% |
| 2016 | 25 | 92% |
| 2017 | 40 | 90% |
| 2018 | 39 | 84.6% |
| 2019 | 39 | 100% |
| 2020 | 24 | 100% |
| 2021 | 8 | 87.5% |
| 2022 | 5 | 100% |
| 2023 | 1 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Immediate Credit Recovery
Immediate Credit Recovery's 214 logged complaints stay concentrated: only 36 states show a filing on record. 47.7% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2013 through 2023-05-25.
Immediate Credit Recovery answers 93% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Immediate Credit Recovery.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does Immediate Credit Recovery have?
214, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Immediate Credit Recovery respond to complaints on time?
93% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Immediate Credit Recovery?
"Attempts to collect debt not owed", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.