Total CFPB complaints
91
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 91 complaints
Second Alliance, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 24 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Second Alliance, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
40 complaints
- False statements or representation
False statements or representation
16 complaints
- Written notification about debt 15
Written notification about debt
15 complaints
- Took or threatened to take negative or legal action 9
Took or threatened to take negative or legal action
9 complaints
- Communication tactics 5
Communication tactics
5 complaints
- Electronic communications 1
Electronic communications
1 complaints
C
Grade C · 61.6/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Second Alliance, Inc.?
Second Alliance, Inc. has accumulated 91 total CFPB complaints across 24 states, with 70 filed in the most recent 12 months against 21 historical complaints before that window. The trailing-12-month volume represents 76.9% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 17% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 24 states, led by California with 22 and Texas with 10, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.6/100 places Second Alliance, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
70
76.9% of total history
Rising ↑
States active
24
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
C
61.6/100 composite
Response-quality profile
How Second Alliance, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 33.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 42.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Second Alliance, Inc. compare to its peers?
Second Alliance, Inc. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2017-10 2026-03
Top Consumer Issues
Attempts to collect debt not owed40 (%)
False statements or representation16 (%)
Written notification about debt15 (%)
Took or threatened to take negative or legal action9 (%)
Communication tactics5 (%)
Electronic communications1 (%)
Disclosure verification of debt1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 34 |
| False statements or representation | Attempted to collect wrong amount | 16 |
| Written notification about debt | Didn't receive enough information to verify debt | 13 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 9 |
| Communication tactics | Frequent or repeated calls | 5 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Electronic communications | You told them to stop contacting you, but they keep trying | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
Where do complaints against Second Alliance, Inc. come from?
The states where consumers have filed the most CFPB complaints against Second Alliance, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Second Alliance, Inc.
Across 24 states with at least one filing
- California
California
22 complaints
- Texas
Texas
10 complaints
- Florida
Florida
10 complaints
- Georgia 7
Georgia
7 complaints
- Ohio 4
Ohio
4 complaints
- New York 4
New York
4 complaints
- Massachusetts 4
Massachusetts
4 complaints
- Louisiana 3
Louisiana
3 complaints
Frequently Asked Questions
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 91 complaints filed with the CFPB.
Are complaints against Second Alliance, Inc. increasing or decreasing? ▼
Complaints against Second Alliance, Inc. are rising. The company received 70 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: 61.6/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 24 states, with the most complaints from California (22 complaints).
What can I do if Second Alliance, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Second Alliance, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |