Independence Capital Recovery, LLC
79 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.
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Independence Capital Recovery, LLC
Independence Capital Recovery, LLC's 79 logged complaints stay concentrated: only 30 states show a filing on record. 49.4% 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 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.
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 Independence Capital Recovery, LLC have?
79, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Independence Capital Recovery, LLC respond to complaints on time?
93.7% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Independence Capital Recovery, LLC?
"Communication tactics", 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.