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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

  • 14 total complaints in the last 3 years.
  • 11 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: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.
     
    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,

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

    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

  • 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.

  • Initial Complaint

    Date:03/25/2025

    Type:Sales and Advertising 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.
    Business sharing inaccurate non-compliant information against consumer rights 15usc 1681

    Business Response

    Date: 03/25/2025

    We are not reporting $4,984.00 as the complaint reads. We are reporting $3,330.00 and have verified this with the creditor and have mailed evidence of this claim to the consumer.

  • Initial Complaint

    Date:03/10/2025

    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 ***** GLOBAL, I do not have a contract with SECOND ALLIANCE INC, they did not provide me with the original documents as requested.

    Business Response

    Date: 03/10/2025

    The consumer has acknowledged this debt and has made payment. We do not need a contract with the consumer to report this debt. The consumer states account went delinquent due illness which is not a reason for a credit report removal.

  • Initial Complaint

    Date:03/07/2025

    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'm 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 I requested.

    Business Response

    Date: 03/07/2025

    We have never received a request for any information from this consumer. The Creditor name was corrected to *******************. We will send evidence of the claim to the complainant 

  • Initial Complaint

    Date:12/13/2024

    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 ******************* and I do not have a contract with SECOND ALLIANCE INC plus they did not provide me with the original application like I asked. Account No: ***** Amount Disputed: $6605

    Business Response

    Date: 12/13/2024

    We spoke with this consumer on 12/13/2023. She claimed she enrolled in classes at ******************* but then dropped out. The creditor shows there was a balance owed after their refund policy. We mailed evidence of the debt  on 01/09/2024. 

    On 02/28/2028 she considered a compromise offered by ********************

    She has disputed this debt through the credit reporting agencies claiming 'not mine' and 'fraud' even though she agree she was the person that signed up with the school.

    We did send her proof of the debt and a contract between her and Second Alliance is not required for ******************* to send their delinquent accounts here for collections.

    Her debt is valid and still owing.

  • Initial Complaint

    Date:11/22/2024

    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 do not have a contract with Second Alliance. They did not provide me with the original contract as requested

    Business Response

    Date: 11/22/2024

    Response to Complaint

    This consumer is liable to ********************. This consumer has acknowledged this debt with us on two occasions. ************ is allowed to contract with Second Alliance to refer delinquent accounts to without a need for a contract between Second Alliance and the consumer. We will request for detailed information about the debt from ************ and will forward to the consumer,

     

     

     

Second Alliance Inc is NOT a BBB Accredited Business.

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