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

CFPB complaint data Grade C 110 complaints

Second Alliance, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 25 states, reputation grade C.

Complaints by issue type

What consumers report about Second Alliance, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 61.6/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

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

The verdict

A reputation grade of C: Second Alliance, Inc. ranks ahead of 48% of the 5,283 collectors PlainCollector grades - 52% keep a cleaner CFPB record, on 110 all-time complaints and a 99% timely-response rate.

48th pct
reputation rank of 5,283 graded collectors
110
CFPB complaints, all-time
99%
answered inside the CFPB window
82
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 Second Alliance, Inc.?

Second Alliance, Inc. has accumulated 110 total CFPB complaints across 25 states, with 82 filed in the most recent 12 months against 28 historical complaints before that window. The trailing-12-month volume represents 74.5% 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". The company posts a 99% timely-response rate against a 17% consumer-dispute-after-response rate.

Complaints have been recorded across 25 states, led by California with 22 and Texas with 15. Normalized against the full CFPB collector database, the reputation score of 61.6/100 places Second Alliance, Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

110

mid-volume (CCDB)

Last 12 months

82

74.5% of all-time complaints

Rising ↑

States active

25

multi-region footprint

Timely response rate

99%

excellent band

Consumer disputes

17%

average (vertical avg ~19%)

Reputation grade

C

61.6/100 composite

How does Second Alliance, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

62 48th percentile higher than 48% 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%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 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

Second Alliance, Inc. versus the debt-collection vertical average.

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) 16.7%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 44.6%

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

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

How does Second Alliance, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Second Alliance, Inc. National average
Complaints (last 12 mo)lower is better
82
22
268
Timely-response ratehigher is better
99%
99%
91%
Consumer-dispute ratelower is better
17%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-06 2026-02

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Second Alliance, Inc.

Across 25 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Second Alliance, Inc. contacts you

A grade of C signals how Second Alliance, Inc.'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 Second Alliance, Inc. 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 Second Alliance, Inc. 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 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: 61.6/100), 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).

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.