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Business Profile

Collection Systems

Second Alliance Inc

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collection Systems.

Complaints

Customer Complaints Summary

  • 18 total complaints in the last 3 years.
  • 15 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:10/16/2025

    Type:Customer Service Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not contracted with this company, my debt is with ******************* and I have been trying to figure out how to pay them directly. I have been contacted by 2 different collection agencies, with no contract. I want to pay in full.

    Business Response

    Date: 10/17/2025

    On 10/14/2025 This consumer contacted us and we agreed on a compromise which the consumer paid. The account is not settled in full and closed.

  • Initial Complaint

    Date:08/29/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not liable for this debt with Second Alliance, ***** I do not have a contract with Second Alliance, Inc.they did not provide me with the original contract as requested.

    Business Response

    Date: 08/29/2025

    As we responded to this consumer's  CFPB complained we will repeat here:

    This consumer has never communicated with us in the past and we have never received a dispute or request for validation of the debt.

    We will obtain verification of this debt from the creditor and sent to the consumer according to the address information that they have provided.

  • Initial Complaint

    Date:08/20/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not liable for this debt with ***** Global. I do not have a contract with Second Alliance Inc., and they have not provided me with the original contract as I requested.

    Business Response

    Date: 09/02/2025

    The *************************** global does show this debt is valid. They state the student owes the portion of a federal Pell ***** that was reversed because the student didn't receive academic credit during the period of time it was received for. We sent the consumer a copy of their financial responsibility agreement. A statement of their account. A financial aid letter and a copy of the collection letter sent to the student on March 25th,2025, one day after the consumer requested it.

  • Initial Complaint

    Date:08/18/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not liable for this debt with Second Alliance, ***** I do not have a contract with Second Alliance, Inc.they did not provide me with the original contract as requested.

    Business Response

    Date: 08/18/2025

    This consumer has never spoken with us nor has this consumer ever made a request for verification of a debt.
    This step was closed in our office has efforts exhausted on August 8. We have notified the credit reporting agencies to delete any credit reporting we have submitted.
    This identical response was provided to the ************************************ on August 14th.

  • Initial Complaint

    Date:08/18/2025

    Type:Customer Service Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    This business is claiming I have $250 in student loans with them. I have never taken out student loans in my life and Im not even in college. This has now impacted my credit report and I am furious.

    Business Response

    Date: 08/18/2025

    The creditors records reflect this consumer owes a debt with them. This consumer notified us by e-mail that they dispute the debt.
    We have requested verification of the debt from the creditor which we will mail to the consumer. The consumer may wish to file a police report for an identity theft claim.
    Alternatively or in addition to, the consumer may contact the identity theft number at ********************************* at ************.
    We will notify the credit reporting agencies of the dispute

  • Initial Complaint

    Date:06/26/2025

    Type:Customer Service Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not liable for this debt with ****. I do not have a contract with SECOND ALLIANCE INC. They did not provide me with the original contract as requested.

    Business Response

    Date: 07/08/2025

    ****'s records reflect that the consumer is liable for this debt. 

    We do not have or need a contract with with the consumer as we represent the creditor.

    This consumer has never requested information on this debt.

    We will obtain verification of the debt and mail to this consumer.

  • Initial Complaint

    Date:06/17/2025

    Type:Order Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I never signed a contract with second allegiance and they never provided a contract that legally binds me that has my signature on it!

    Business Response

    Date: 06/17/2025

    We are not required to have a contract with the consumer. Our records reflect the consumer owes a balance to a creditor.
    The consumer has never ask for evidence of the debt.
    We will provide to to the address provided by the consumer evidence of the debt

    Customer Answer

    Date: 06/23/2025

     
    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

    Sincerely,

    ***** **********

  • Initial Complaint

    Date:06/03/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not liable for this debt with ****. I don't have a contract with Second Alliance inc. They did not provide a competent evidence of my contractual obligation to provide payment to them as requested.

    Business Response

    Date: 06/03/2025

    **** shows this consumer liable for a student account due to SNHU, ********************** does not have or need a contract with the consumer as the obligation is not to us but rather SNHU.

    We will report this debt as disputed and request supporting documentation to forward to the consumer.

  • Initial Complaint

    Date:04/09/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am writing to formally dispute a debt recently reported under my name by Second Alliance Inc. to the credit reporting agencies *******, ********, and **********. I do not recognize this debt and have no knowledge of any such obligation.Furthermore, I have confirmed that Second Alliance Inc. does not hold a valid license to collect debts in the State of Illinois, which is a serious violation of applicable state laws.I hereby formally and firmly request that all negative remarks related to this unrecognized debt be immediately removed from my credit report. If this matter is not resolved promptly and satisfactorily, I will be compelled to take all necessary legal actions to assert my rights as a consumer under federal and state law.Thank you in advance for your prompt attention to this matter. I look forward to your swift response.Sincerely,****** ******** Pambou

    Business Response

    Date: 04/09/2025

    We have submitted a request for documentation from the creditor for this consumer. In the meantime we have requested the credit reporting agencies remove reporting until such a time the debt is calidated.

  • Initial Complaint

    Date:03/25/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I AM NOT LIABLE FOR THIS DEBT WITH SECOND ALLIANCE INC. I DO NOT HAVE AN ACCOUNT WITH ********************** THEY DID NOT PROVDE ME WITH AN ORIGINAL CONTRACT AS REQUESTED.

    Business Response

    Date: 03/25/2025

    The consumer has never communicated a request for proof of this debt. We will obtain from the creditor and mail to the consumer.

Second Alliance Inc is NOT a BBB Accredited Business.

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