CFPB Consumer Complaint Profile
Independence Capital Recovery, LLC
71 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 71
- Total complaints
- Mid-range
- 35
- Last 12 months
- 93%
- Timely response
- Bottom quartile
- 28
- States affected
The verdict
71 CFPB complaints put Independence Capital Recovery, LLC at #1553 out of 3,843 financial companies ranked by complaint volume. It posts a 93% on-time response rate, the 24th percentile among companies with 100+ complaints.
- #1553
- of 3,843 companies by volume
- 93%
- on time (24th pctile)
- Debt collection
- most-complained product
- 28
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Independence Capital Recovery, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
93% Among the lowest higher than 24% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 18 in 2024 to 34 in 2025 (2024 → 2025).
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 |
|---|---|
| 2021 | 6 |
| 2022 | 3 |
| 2023 | 4 |
| 2024 | 18 |
| 2025 | 34 |
| 2026year in progress | 6 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Independence Capital Recovery, LLC
Independence Capital Recovery, LLC carries 71 complaints in the CFPB's database, 35 of them filed within the past 12 months. Consumers spanning 28 states and territories have weighed in, giving this a multi-regional footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Communication tactics" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Independence Capital Recovery, LLC posts a 93% reply rate on forwarded complaints. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Among resolved complaints, the consumer-relief closure rate is 0%.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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 Independence Capital Recovery, LLC have?
Independence Capital Recovery, LLC has 71 total consumer complaints filed with the CFPB, with 35 filed in the last 12 months.
Does Independence Capital Recovery, LLC respond to complaints on time?
CFPB complaints against Independence Capital Recovery, LLC draw a 93% timely-response rate inside the expected window.
What product generates the most complaints for Independence Capital Recovery, LLC?
The most complained-about product for Independence Capital Recovery, LLC is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Independence Capital Recovery, LLC?
Consumers most often cite "Communication tactics" when complaining about Independence Capital Recovery, LLC; the full issue list with counts is above.
How do I file a complaint against Independence Capital Recovery, LLC?
You can file a complaint against Independence Capital Recovery, LLC 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 Independence Capital Recovery, LLC?
Consumers in 28 states and territories have filed complaints about Independence Capital Recovery, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Independence Capital Recovery, LLC have?
Independence Capital Recovery, LLC has 71 total consumer complaints filed with the CFPB, with 35 filed in the last 12 months.
Does Independence Capital Recovery, LLC respond to complaints on time?
CFPB complaints against Independence Capital Recovery, LLC draw a 93% timely-response rate inside the expected window.
What product generates the most complaints for Independence Capital Recovery, LLC?
The most complained-about product for Independence Capital Recovery, LLC is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Independence Capital Recovery, LLC?
Consumers most often cite "Communication tactics" when complaining about Independence Capital Recovery, LLC; the full issue list with counts is above.
How do I file a complaint against Independence Capital Recovery, LLC?
You can file a complaint against Independence Capital Recovery, LLC 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 Independence Capital Recovery, LLC?
Consumers in 28 states and territories have filed complaints about Independence Capital Recovery, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.