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Data / Consumer complaints / Independence Capital Recovery, LLC

Independence Capital Recovery, LLC: 76 CFPB consumer complaints in the last 3 years

Independence Capital Recovery, LLC drew 76 consumer complaints in the CFPB database in the three years to November 6, 2026, and 89 since 2021. The largest group, 69, was about debt collection, and the most common issue was “Communication tactics” with 16. The company responded on time to 93.4% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every debt collection companyGet debt collection in New Jersey
  • 76Complaints, last 3 years
  • 89Complaints, all years
  • 93.4%Responded on time
  • 0.0%Closed with relief
  • 4Products
  • Oct 14, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 624
202534
202418
20234
20223
20216

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Debt collection6990.8%
Credit reporting or other personal consumer reports56.6%
Money transfer, virtual currency, or money service11.3%
Payday loan, title loan, personal loan, or advance loan11.3%

Issues

IssueComplaintsShare
Communication tactics1621.1%
Took or threatened to take negative or legal action1215.8%
Written notification about debt1114.5%
Attempts to collect debt not owed1013.2%
Threatened to contact someone or share information improperly1013.2%
False statements or representation911.8%
Improper use of your report22.6%
Incorrect information on your report22.6%
Electronic communications11.3%
Other transaction problem11.3%
Problem when making payments11.3%
Problem with a company's investigation into an existing problem11.3%

How the company responded

Company responseComplaintsShare
Closed with explanation76100%

States

StateComplaintsShare
New Jersey911.8%
California79.2%
Texas67.9%
Alabama56.6%
New York56.6%
Pennsylvania56.6%
Georgia45.3%
Ohio45.3%
Virginia33.9%
Arkansas22.6%
Florida22.6%
Iowa22.6%
Illinois22.6%
Michigan22.6%
South Carolina22.6%
Arizona11.3%
Connecticut11.3%
Indiana11.3%
Kansas11.3%
Kentucky11.3%
Louisiana11.3%
Mississippi11.3%
North Carolina11.3%
New Hampshire11.3%
Oklahoma11.3%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 14, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
October 6, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
September 22, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
September 10, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 17, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 12, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
August 5, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 27, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 13, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
July 13, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
June 15, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
June 11, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
May 29, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
May 28, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 27, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 20, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
May 18, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 18, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
March 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
February 17, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
January 27, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
January 26, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
January 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 14, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
December 27, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
December 12, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
December 2, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
November 6, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 27, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
October 8, 2025Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
October 2, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
September 22, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 12, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 11, 2025Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
September 3, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
September 2, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
August 24, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 23, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
August 11, 2025Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
July 12, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 4, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
June 25, 2025Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
June 8, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 6, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
June 4, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 21, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 20, 2025Money transfer, virtual currency, or money serviceOther transaction problemClosed with explanationconsumerfinance.gov
May 20, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 15, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
May 7, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.