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

Data updated July 2026

D

Grade D · 52.9/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Independence Capital Recovery, LLC ranks ahead of 21% of the 5,283 collectors PlainCollector grades - 79% keep a cleaner CFPB record, on 71 all-time complaints and a 94% timely-response rate.

21st pct
reputation rank of 5,283 graded collectors
71
CFPB complaints, all-time
94%
answered inside the CFPB window
26
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Independence Capital Recovery, LLC?

Independence Capital Recovery, LLC has accumulated 71 total CFPB complaints across 29 states, with 26 filed in the most recent 12 months against 45 historical complaints before that window. The trailing-12-month volume represents 36.6% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls". The company posts a 94% timely-response rate.

Complaints have been recorded across 29 states, led by New York with 8 and Alabama with 6. Normalized against the full CFPB collector database, the reputation score of 52.9/100 places Independence Capital Recovery, LLC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

71

low-volume (CCDB)

Last 12 months

26

36.6% of all-time complaints

Rising ↑

States active

29

multi-region footprint

Timely response rate

94%

good band

Reputation grade

D

52.9/100 composite

How does Independence Capital Recovery, LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

53 Bottom 21% higher than 21% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Independence Capital Recovery, LLC versus the debt-collection vertical average.

Timely response within SLA 93.8%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 51.8%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Independence Capital R… 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.

Complaint Trend (24 months)

2014-05 2025-09

Issue Detail Breakdown

Issue Sub-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

What to do if Independence Capital Recovery, LLC contacts you

A grade of D signals how Independence Capital Recovery, LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Independence Capital Recovery, LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Independence Capital Recovery, LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 52.9/100), 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).

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

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.