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

CFPB complaint data Grade D 71 complaints

Independence Capital Recovery, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 29 states, reputation grade D.

Complaints by issue type

What consumers report about Independence Capital Recovery, LLC

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

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 71
  • GRADE D
  • 12MO 26
  • STATES 29
  • TIMELY 94%
  • ISSUE Communication tactics
  • RANK #997
  • COMPOSE Not ranked

Volume peers

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

Abbott Osborn Jacobs PLCAbbott Osborn Jacobs PLC71Alliant Credit UnionAlliant Credit Union71Asset Recovery Bureau LLCAsset Recovery Bureau LLC71Certegy Holdings, LLCCertegy Holdings, LLC71Independence Capital Recovery, LLC (this)Independence Capital Recover…71
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 →

How the 71 complaints break down

Every complaint issue type on record for Independence Capital Recovery, LLC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
49.9/100
Independence Capital Recovery, LLC

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
71
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 N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#997 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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 Recovery, LLC National average
Complaints (last 12 mo)lower is better
26
5
268
Timely-response ratehigher is better
94%
97%
91%
Consumer-dispute ratelower is better
0%
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 Independence Capital Recovery, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 7 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 60%70%80%90%100% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Independence Capital Recovery, LLC vs. 7 similar-volume peers, by response speed and dispute rate Credit Solutions, LLC (KY)Leading Edge Recovery Solutions, LLCMalcolm S. Gerald and Associates, Inc.United Check Recovery Bureau, Inc.Abbott Osborn Jacobs PLCAudit & Adjustment Co. Inc.Credit Management Services, Inc.
Source: CFPB Consumer Complaint Database

Independence Capital Recovery, LLC's complaint volume in context

Independence Capital Recovery, LLC 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)

71 Top 18% higher than 82% 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%). This entry sits in this band. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Independence Capital Recovery, LLC 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)

Rising ↑
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.

Top states by complaints against Independence Capital Recovery, LLC

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 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.