Second Alliance, Inc.
Open-data reference.
Debt Collector, CFPB Complaint Profile Specializes in: Private student loan debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 2 |
| 2014 | 2 |
| 2015 | 3 |
| 2016 | 1 |
| 2017 | 1 |
| 2018 | 2 |
| 2019 | 2 |
| 2021 | 1 |
| 2022 | 2 |
| 2024 | 4 |
| 2025 | 66 |
| 2026 | 34 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Second Alliance, Inc.
91 debt-collection complaints against Second Alliance, Inc. appear in the CFPB record - 75.8% of the 120 complaints filed about this entity. The 24 states and territories represented make this a multi-state operation by complaint volume. "Private student loan debt" is the debt type named most often in complaints against this collector, the category consumers reach for most when filing a CFPB report. "Attempts to collect debt not owed" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.
The company's timely response rate is 98.3%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That is at or above benchmark levels, pointing to an intake process working as intended. 1.7% of resolved cases against this company closed with some form of consumer relief, a notably low ratio worth weighing against the disputed-response percentage. In 12.5% of resolved cases, the consumer formally disputed the response - a rough measure of how often the first resolution missed the mark.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Second Alliance, Inc. have?
Second Alliance, Inc. has 91 debt collection complaints filed with the CFPB, representing 75.8% of all complaints against this company.
Does Second Alliance, Inc. respond to complaints on time?
Second Alliance, Inc. has a 98.3% timely response rate. That is a strong response record by CFPB standards.
Does Second Alliance, Inc. provide relief to consumers?
1.7% of resolved complaints against Second Alliance, Inc. were closed with some form of consumer relief (monetary or non-monetary).
What type of debt does Second Alliance, Inc. primarily collect?
Based on CFPB complaint records, Second Alliance, Inc.'s primary debt type is "Private student loan debt"; the complete breakdown is shown above.
What rights do I have against Second Alliance, Inc.?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Second Alliance, Inc. active?
CFPB data shows consumer complaints against Second Alliance, Inc. from 24 states and territories.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.