CFPB · Single-product concentration
Independence Capital Recovery, LLC
79 CFPB complaints · 89.9% in "Debt collection" · top issue Communication tactics.
Independence Capital Recovery, LLC: 89.9% of 79 CFPB complaints sit in "Debt collection". Timely 93.7% · relief 0%. Allegations, not findings.
- Single-product concentration
- +133.3% filings 2021 to 2026
CFPB relief outcome brief
CCDB company independence-capital-recovery-llc
0% relief · 93.7% timely · 79 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Independence Capital Recovery, LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Independence Capital Recovery, LLC scores strongest on closed with explanation (100/100 percentile-benchmarked) and weakest on relief provided (0/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
89 / 100 percentile-benchmarked
93.7% of complaints answered inside the CFPB 15-day window
Closed with explanation
100 / 100 percentile-benchmarked
100% of complaints closed with an explanation to the consumer
Most of Independence Capital Recovery, LLC's 79 filings include narrative text
49.4% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Independence Capital Recovery, LLC complaint mix by product
- Debt collection 71 89.9% – 0% relief
- Credit reporting 5 6.3% – 0% relief
- Money transfer, 1 1.3% – 0% relief
- Payday loan, 1 1.3% – 0% relief
- Credit reporting, 1 1.3% – 0% relief
How Independence Capital Recovery, LLC's 79 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 71 |
| Credit reporting or other personal consumer reports | 5 |
| Money transfer, virtual currency, or money service | 1 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Where Independence Capital Recovery, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- NJ
- 10.1% of this company's filings
Independence Capital Recovery, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 14
- +133.3% vs 2021
Top States
| State | Complaints |
|---|---|
| NJ | 8 |
| NY | 8 |
| CA | 6 |
| TX | 6 |
| AL | 6 |
| GA | 5 |
| FL | 4 |
| MI | 3 |
| OH | 3 |
| VA | 3 |
| PA | 2 |
| RI | 2 |
| NH | 2 |
| SC | 2 |
| IL | 2 |
| AR | 2 |
| AZ | 2 |
| KY | 1 |
| MS | 1 |
| WY | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Communication tactics | 16 |
| Took or threatened to take negative or legal action | 12 |
| Attempts to collect debt not owed | 11 |
| Written notification about debt | 11 |
| Threatened to contact someone or share information improperly | 10 |
| False statements or representation | 10 |
| Incorrect information on your report | 2 |
| Improper use of your report | 2 |
| Problem with a company's investigation into an existing problem | 1 |
| Other transaction problem | 1 |
| Electronic communications | 1 |
| Problem when making payments | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2021 | 6 | 100% |
| 2022 | 3 | 100% |
| 2023 | 4 | 100% |
| 2024 | 18 | 100% |
| 2025 | 34 | 97.1% |
| 2026 | 14 | 71.4% |
Source: CFPB Consumer Complaint Database
Independence Capital Recovery, LLC filings cluster in one product
Independence Capital Recovery, LLC's 79 logged complaints stay concentrated: only 30 states show a filing. 49.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2021 through 2026-06-15.
Independence Capital Recovery, LLC answers 93.7% 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 "Communication tactics."
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 Independence Capital Recovery, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Independence Capital Recovery, LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 79.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 93.7%.
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.
Data sourced from official public datasets for Independence Capital Recovery, LLC (93.7% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration