This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 142 complaints

Immediate Credit Recovery - Debt Collector Complaint Profile

CFPB complaint profile across 29 states, reputation grade D.

Complaints by issue type

What consumers report about Immediate Credit Recovery

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record immediate-credit-recovery Immediate Credit Recovery

Grade D · 142 CFPB filings · 94% timely · lead issue: Attempts to collect debt not owed

  • VOL 142
  • GRADE D
  • 12MO 0
  • STATES 29
  • TIMELY 94%
  • DISPUTE 18%
  • ISSUE Attempts to collect debt n…
  • RANK #680
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Bbva Financial Corporation (143 complaints)

Immediate Credit Recovery (this)Immediate Credit Recovery (t…142Bbva Financial CorporationBbva Financial Corporation143Kings Credit ServicesKings Credit Services143Oxford Law, LLCOxford Law, LLC143Recovery One, LLCRecovery One, LLC143
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Immediate Credit Recovery's 142 CFPB complaints sit next to Bbva Financial Corporation on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 142 complaints break down

Every complaint issue type on record for Immediate Credit Recovery, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
54.9/100
Immediate Credit Recovery

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
142
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
94%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
18%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Steady monthly series

New York is the plurality state for Immediate Credit Recovery (20.4%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
New York 20.4%
Mid-band (15–30%) · 29 states with ≥1 filing
Even monthly load
Peak under 8%
Highest month 2023-10 at 7.8% (4 filings)
Corpus ranks
#680 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Immediate Credit Recovery compare to its peers?

How does Immediate Credit Recovery compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Immediate Credit Recovery National average
Complaints (last 12 mo)lower is better
0
31
268
Timely-response ratehigher is better
94%
87%
91%
Consumer-dispute ratelower is better
18%
21%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Immediate Credit Recovery a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 85%90%95%100%105% 5%10%15%20%25%30% Timely response rate (%) Dispute rate (%) Immediate Credit Recovery vs. 9 similar-volume peers, by response speed and dispute rate Immediate Credit RecoveryRetail Merchants AssociatesAccess Receivables of NC Inc.Recovery One, LLCEverest Receivable Services Inc.Oxford Law, LLCFMS Inc.KINGS CREDIT SERVICESBBVA FINANCIAL CORPORATIONHEAD MERCANTILE CO., INC.
Source: CFPB Consumer Complaint Database

Immediate Credit Recovery's complaint volume in context

Immediate Credit Recovery vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

142 Top 13% higher than 87% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). This entry sits in this band. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Immediate Credit Recovery 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2023-04 2026-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
31
Written notification about debt
28
Communication tactics
19
False statements or representation
15
Disclosure verification of debt
14
Cont'd attempts collect debt not owed
13
Took or threatened to take negative or legal action
12
Taking/threatening an illegal action
5
Improper contact or sharing of info
4
Threatened to contact someone or share information improperly
1

Where do complaints against Immediate Credit Recovery come from?

Immediate Credit Recovery's own per-state count, not a national baseline.

Top states by complaints against Immediate Credit Recovery

Across 29 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Immediate Credit Recovery: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 142.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 93.7062937062937%.

4 peers

Know your rights before responding to Immediate Credit Recovery: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.