CFPB Consumer Complaint Profile
Second Alliance, Inc.
Consumers have filed 120 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-05-15
- 120
- Total complaints
- 92
- Last 12 months
- 98.3%
- Timely response
- 24
- States affected
The verdict
120 CFPB complaints put Second Alliance, Inc. at #1230 out of 3,848 financial companies ranked by complaint volume. 98.3% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #1230
- of 3,848 companies by volume
- 98.3%
- answered on time
- Debt collection
- most-complained product
- 24
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
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)
Company Responses
What the CFPB Complaint Record Shows for Second Alliance, Inc.
120 complaints against Second Alliance, Inc. appear in the CFPB record, including 92 from the trailing year. The 24 states and territories represented put this footprint in multi-regional territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Second Alliance, Inc.'s timely response rate stands at 98.3%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is at or above benchmark levels, a sign the company handles intake and escalation well. In 12.5% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 1.7% of resolved complaints ended with some monetary or non-monetary relief for the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Second Alliance, Inc. have?
The CFPB has logged 120 complaints against Second Alliance, Inc. to date, of which 92 came in over the last 12 months.
Does Second Alliance, Inc. respond to complaints on time?
Second Alliance, Inc. has a 98.3% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for Second Alliance, Inc.?
The most complained-about product for Second Alliance, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Second Alliance, Inc.?
The most common issue reported by consumers about Second Alliance, Inc. is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Second Alliance, Inc.?
You can file a complaint against Second Alliance, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Second Alliance, Inc.?
Second Alliance, Inc. has drawn CFPB complaints from 24 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~120)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.