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

CFPB complaint data Grade C 4 complaints

Smart Money Alliance - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade C.

Complaints by issue type

What consumers report about Smart Money Alliance

complaints
Source CFPB Consumer Complaint Database

Data updated September 2026

CFPB complaint disposition

CCDB record smart-money-alliance Smart Money Alliance

Grade C · 4 CFPB filings · 67% timely · lead issue: False statements or representation · vol #3500 · compose #2910

  • VOL 4
  • GRADE C
  • 12MO 1
  • STATES 4
  • TIMELY 67%
  • ISSUE False statements or repres…
  • RANK #3,500
  • COMPOSE #2,910

Volume peers

Nearest volume peer: 90 Day Credit Experts (4 complaints)

90 Day Credit Experts4A & A North American Financi…4A & S Collection Associates,…4Accelerated Receivables Mana…4Smart Money Alliance (this)4
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Smart Money Alliance's 4 CFPB complaints sit next to 90 Day Credit Experts 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 →

Spiky monthly series

Illinois is the plurality state for Smart Money Alliance (25.0%)

The 2023-07 spike coincides with a 590-place gap between volume rank #3,500 and composite #2,910. Corpus placement method.

Plurality state
Illinois 25.0%
Mid-band (15–30%) · 4 states with ≥1 filing
Spike month
2023-07 15.4%
2 filings that month · spiky (≥15% of series)
Divergent corpus ranks
#3,500 volume
#2,910 composite
Cleanest-composite ladder is 590 places better than volume

How does Smart Money Alliance compare to its peers?

How does Smart Money Alliance compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Smart Money Alliance National average
Complaints (last 12 mo)lower is better
1
0
268
Timely-response ratehigher is better
67%
100%
91%
Consumer-dispute ratelower is better
0%
50%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-08 2025-06

Issue Detail Breakdown

Issue Complaints
False statements or representation 2
Attempts to collect debt not owed 1
Took or threatened to take negative or legal action 1

Where do complaints against Smart Money Alliance come from?

Smart Money Alliance's own per-state count, not a national baseline.

Top states by complaints against Smart Money Alliance

Across 4 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Smart Money Alliance: 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: 4.

4 peers

Know your rights before responding to Smart Money Alliance: 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.