What is the most common complaint against Independence Capital Recovery, LLC?

The most common issue consumers report about Independence Capital Recovery, LLC is "Communication tactics", specifically "Frequent or repeated calls". This is based on 71 complaints filed with the CFPB.

Are complaints against Independence Capital Recovery, LLC increasing or decreasing?

Complaints against Independence Capital Recovery, LLC are rising. The company received 26 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Independence Capital Recovery, LLC's reputation grade?

Independence Capital Recovery, LLC has a reputation grade of D (score: 49.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Independence Capital Recovery, LLC respond to consumer complaints?

Independence Capital Recovery, LLC has a 94% timely response rate to CFPB complaints.

In how many states does Independence Capital Recovery, LLC operate?

Independence Capital Recovery, LLC has received CFPB complaints from consumers in 29 states, with the most complaints from New York (8 complaints).

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

Independence Capital Recovery, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 29 states, reputation grade D.

Compiled by PlainCollector

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
False statements or representation

10
Threatened to contact someone or share information improperly

10

Data updated September 2026

CFPB complaint disposition

CCDB record independence-capital-recovery-llc Independence Capital Recovery, LLC

Grade D · 71 CFPB filings · 94% timely · lead issue: Communication tactics · vol #997 · compose #4158

VOL 71
GRADE D
12MO 26
STATES 29
TIMELY 94%
ISSUE Communication tactics
RANK #997
COMPOSE #4,158

Volume peers

Nearest volume peer: Abbott Osborn Jacobs PLC (71 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Independence Capital Recovery, LLC's 71 CFPB complaints sit next to Abbott Osborn Jacobs PLC 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 →

Distributed filing map

Independence Capital Recovery, LLC spreads filings across 29 states - New York leads at only 11.3%

Despite a broad state map, Independence Capital Recovery, LLC still sits volume #997 against composite #4,158 - the two RankMaps diverge by 3,161 places. Corpus placement method.

Most-even geography: Lead state under 15%; New York still leads at 11.3% across 29 states
Seasonal peak: 2014-05 14.3%; 8–15% band · 1 filings
Divergent corpus ranks: #997 volume; #4,158 composite; Cleanest-composite ladder is 3,161 places worse than volume

How does Independence Capital Recovery, LLC compare to its peers?

How does Independence Capital Recovery, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Independence Capital R… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

94%

97%

91%

Consumer-dispute ratelower is better

21%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-05 2025-09

Issue Detail Breakdown

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
False statements or representation	10
Threatened to contact someone or share information improperly	10
Electronic communications	1

Where do complaints against Independence Capital Recovery, LLC come from?

Independence Capital Recovery, LLC's own per-state count, not a national baseline.

New York

8
Alabama

6
California

6
New Jersey

6
Texas

4
Florida

3
Georgia

3
Michigan

3

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Independence Capital Recovery, LLC: 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: 71.

4 peers

Know your rights before responding to Independence Capital Recovery, LLC: 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.