What is the most common complaint against Second Alliance, Inc.?

The most common issue consumers report about Second Alliance, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 110 complaints filed with the CFPB.

Are complaints against Second Alliance, Inc. increasing or decreasing?

Complaints against Second Alliance, Inc. are rising. The company received 82 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Second Alliance, Inc.'s reputation grade?

Second Alliance, Inc. has a reputation grade of C (score: 58.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Second Alliance, Inc. respond to consumer complaints?

Second Alliance, Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does Second Alliance, Inc. operate?

Second Alliance, Inc. has received CFPB complaints from consumers in 25 states, with the most complaints from California (22 complaints).

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

Second Alliance, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 25 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

46
Written notification about debt

18
False statements or representation

18
Took or threatened to take negative or legal action

16
Communication tactics

8
Electronic communications

2

Data updated September 2026

CFPB complaint disposition

CCDB record second-alliance-inc Second Alliance, Inc.

Grade C · 110 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #783 · compose #2587

VOL 110
GRADE C
12MO 82
STATES 25
TIMELY 99%
DISPUTE 17%
ISSUE Attempts to collect debt n…
RANK #783
COMPOSE #2,587

Volume peers

Nearest volume peer: Ascendium Education Group (110 complaints)

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

Second Alliance, Inc.'s 110 CFPB complaints sit next to Ascendium Education Group 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 →

Filing geometry

California is the plurality state for Second Alliance, Inc. (20.0%)

Volume rank #783 and composite rank #2,587 diverge by 1,804 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: California 20.0%; Mid-band (15–30%) · 25 states with ≥1 filing
Seasonal peak: 2025-06 10.0%; 8–15% band · 3 filings
Divergent corpus ranks: #783 volume; #2,587 composite; Cleanest-composite ladder is 1,804 places worse than volume

How does Second Alliance, Inc. compare to its peers?

How does Second Alliance, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Second Alliance, Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

91%

Consumer-dispute ratelower is better

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-06 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	46
Written notification about debt	18
False statements or representation	18
Took or threatened to take negative or legal action	16
Communication tactics	8
Electronic communications	2
Cont'd attempts collect debt not owed	1
Disclosure verification of debt	1

Where do complaints against Second Alliance, Inc. come from?

Second Alliance, Inc.'s own per-state count, not a national baseline.

California

22
Texas

15
Florida

12
Georgia

8
Louisiana

5
Ohio

5
Illinois

4
Massachusetts

4

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Second Alliance, Inc.: 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: 110.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.9010989010989%.

4 peers

Know your rights before responding to Second Alliance, Inc.: 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.