What is the most common complaint against Second Chance Advocate?

The most common issue consumers report about Second Chance Advocate is "False statements or representation". This is based on 1 complaints filed with the CFPB.

Are complaints against Second Chance Advocate increasing or decreasing?

Complaints against Second Chance Advocate are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Second Chance Advocate's reputation grade?

Second Chance Advocate has a reputation grade of B (score: 69.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Second Chance Advocate respond to consumer complaints?

Second Chance Advocate has a 67% timely response rate to CFPB complaints.

In how many states does Second Chance Advocate operate?

Second Chance Advocate has received CFPB complaints from consumers in 1 states, with the most complaints from South Carolina (1 complaints).

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

Second Chance Advocate - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade B.

Compiled by PlainCollector

False statements or representation

1

Data updated September 2026

CFPB complaint disposition

CCDB record second-chance-advocate Second Chance Advocate

Grade B · 1 CFPB filings · 67% timely · lead issue: False statements or representation · vol #5236 · compose #1314

VOL 1
GRADE B
12MO 1
STATES 1
TIMELY 67%
ISSUE False statements or repres…
RANK #5,236
COMPOSE #1,314

Volume peers

Nearest volume peer: 245 Holdings LLC (1 complaints)

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

Second Chance Advocate's 1 CFPB complaints sit next to 245 Holdings LLC 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 →

State-heavy filing map

100.0% of Second Chance Advocate's CFPB filings land in South Carolina

High volume does not equal a clean composite: Second Chance Advocate is volume #5,236 but composite #1,314, while South Carolina dominates the geography. Corpus placement method.

Dominant state: South Carolina 100.0%; 1 of 1 filings · 1 states touched
Spike month: 2025-04 100.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #5,236 volume; #1,314 composite; Cleanest-composite ladder is 3,922 places better than volume

How does Second Chance Advocate compare to its peers?

How does Second Chance Advocate 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 Chance Advocate National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

67%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2025-04 2025-04

Issue Detail Breakdown

Issue	Complaints
False statements or representation	1

Where do complaints against Second Chance Advocate come from?

Second Chance Advocate's own per-state count, not a national baseline.

South Carolina

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Second Chance Advocate: 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: 1.

4 peers

Know your rights before responding to Second Chance Advocate: 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.