CFPB Consumer Complaint Profile
Immediate Credit Recovery
Consumers have filed 215 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-05-15
- 215
- Total complaints
- 0
- Last 12 months
- 92.6%
- Timely response
- 36
- States affected
The verdict
215 CFPB complaints put Immediate Credit Recovery at #884 out of 3,848 financial companies ranked by complaint volume. Its on-time response rate is 92.6%, trailing the 93% median among companies with 100+ complaints.
- #884
- of 3,848 companies by volume
- 92.6%
- answered on time
- Student loan
- most-complained product
- 36
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 4 |
| 2014 | 15 |
| 2015 | 14 |
| 2016 | 25 |
| 2017 | 41 |
| 2018 | 39 |
| 2019 | 39 |
| 2020 | 24 |
| 2021 | 8 |
| 2022 | 5 |
| 2023 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Immediate Credit Recovery
Immediate Credit Recovery carries 215 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 36 states and territories have weighed in, giving this a multi-regional footprint. "Student loan" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
92.6% of CFPB-forwarded complaints against Immediate Credit Recovery get a reply inside the Bureau's 15-day window. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Consumers formally disputed the company's response in 19.2% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 0% of resolved complaints ended with some monetary or non-monetary relief for the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Immediate Credit Recovery have?
Immediate Credit Recovery has 215 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Immediate Credit Recovery respond to complaints on time?
Immediate Credit Recovery's CFPB timely-response rate is 92.6%.
What product generates the most complaints for Immediate Credit Recovery?
The most complained-about product for Immediate Credit Recovery is "Student loan." You can view the full product breakdown on this page.
What is the most common complaint issue with Immediate Credit Recovery?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Immediate Credit Recovery; the full issue list with counts is above.
How do I file a complaint against Immediate Credit Recovery?
You can file a complaint against Immediate Credit Recovery directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Immediate Credit Recovery?
The CFPB has recorded complaints against Immediate Credit Recovery from 36 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~215)
Also handles Student loan
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.