CFPB · Diversified product mix
Independent Savings Plan Co.
37 CFPB complaints · diversified mix (top product 32.4%) · top issue Incorrect information on your report.
Independent Savings Plan Co.: top product "Debt collection" is only 32.4% of 37 - multi-bucket mix. Timely 100% · relief 21.6%. Allegations, not findings.
- Diversified product mix
- +350% filings 2017 to 2026
CFPB relief outcome brief
CCDB company independent-savings-plan-co
21.6% relief · 100% timely · 37 filings · Debt collection
Same-product relief peers
Nearest relief peer: Unique Management Services, Inc (21.3% relief)
Independent Savings Plan Co. closes 21.6% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Independent Savings Plan Co. scores strongest on relief provided (100/100 percentile-benchmarked) and weakest on closed with explanation (60/100), 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
100 / 100 percentile-benchmarked
21.6% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
100% of complaints answered inside the CFPB 15-day window
Closed with explanation
60 / 100 percentile-benchmarked
78.4% of complaints closed with an explanation to the consumer
How 37 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Independent Savings Plan Co. complaint mix by product
- Debt collection 12 32.4% – 25% relief
- Credit reporting, 10 27.0% – 30% relief
- Credit reporting 9 24.3% – 0% relief
- Payday loan, 2 5.4% – 0% relief
- Credit card 2 5.4% – 0% relief
- Payday loan, 2 5.4% – 100% relief
How Independent Savings Plan Co.'s 37 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 12 |
| Credit reporting, credit repair services, or other personal consumer reports | 10 |
| Credit reporting or other personal consumer reports | 9 |
| Payday loan, title loan, personal loan, or advance loan | 2 |
| Credit card | 2 |
| Payday loan, title loan, or personal loan | 2 |
Concentrated filing states for Independent Savings Plan Co.
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 51.4% of this company's filings
Independent Savings Plan Co. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 9
- +350% vs 2017
Top States
| State | Complaints |
|---|---|
| FL | 19 |
| TX | 6 |
| VA | 5 |
| LA | 2 |
| NC | 2 |
| OH | 1 |
| SC | 1 |
| GA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 11 |
| Improper use of your report | 4 |
| Attempts to collect debt not owed | 4 |
| Problem with a credit reporting company's investigation into an existing problem | 3 |
| Took or threatened to take negative or legal action | 2 |
| Written notification about debt | 2 |
| False statements or representation | 2 |
| Problem with additional add-on products or services | 2 |
| Communication tactics | 1 |
| Threatened to contact someone or share information improperly | 1 |
| Struggling to pay your loan | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Charged fees or interest you didn't expect | 1 |
| Advertising and marketing, including promotional offers | 1 |
| Problem with a purchase shown on your statement | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2017 | 2 | 100% |
| 2018 | 1 | 100% |
| 2019 | 1 | 100% |
| 2020 | 2 | 100% |
| 2021 | 4 | 100% |
| 2022 | 3 | 100% |
| 2023 | 4 | 100% |
| 2024 | 7 | 100% |
| 2025 | 4 | 100% |
| 2026 | 9 | 100% |
Source: CFPB Consumer Complaint Database
Independent Savings Plan Co. spreads across product buckets
Independent Savings Plan Co.'s 37 logged complaints stay concentrated: only 8 states show a filing. Only 37.8% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2017 through 2026-05-30.
Independent Savings Plan Co. answers 100% of complaints inside the CFPB's tracked window and closes 78.4% with a written explanation. 21.6% 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 "Incorrect information on your report."
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 Independent Savings Plan Co..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Independent Savings Plan Co.: 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: 37.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 Independent Savings Plan Co. (100% timely; 21.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix