CFPB · Coded-category record
Second Chance Advocate
3 CFPB complaints · mostly coded fields (0% narrative) · top issue Unauthorized withdrawals or charges.
Second Chance Advocate: only 0% of 3 filings carry narrative text, mostly coded fields. Timely 66.7% · relief 66.7%. Allegations, not findings.
- Coded-category record
- 0% filings 2024 to 2026
CFPB relief outcome brief
CCDB company second-chance-advocate
66.7% relief · 66.7% timely · 3 filings · Debt or credit management
Same-product relief peers
Nearest relief peer: Credit Glory LLC (11.9% relief)
Second Chance Advocate closes 66.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Second Chance Advocate complaint mix by product
- Debt or 2 66.7% – 50% relief
- Debt collection 1 33.3% – 100% relief
How Second Chance Advocate's 3 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt or credit management | 2 |
| Debt collection | 1 |
Where Second Chance Advocate complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 33.3% of this company's filings
Second Chance Advocate complaints by year
Annual filing volume from the CFPB public database
- 2026
- 1
- 0% vs 2024
Top States
| State | Complaints |
|---|---|
| CA | 1 |
| SC | 1 |
| NH | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Unauthorized withdrawals or charges | 1 |
| False statements or representation | 1 |
| Didn't provide services promised | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2024 | 1 | 100% |
| 2025 | 1 | 0% |
| 2026 | 1 | 100% |
Source: CFPB Consumer Complaint Database
Second Chance Advocate's coded-category complaint ledger
Second Chance Advocate's 3 logged complaints stay concentrated: only 3 states show a filing. Only 0% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2024 through 2026-02-27.
Second Chance Advocate answers 66.7% of complaints inside the CFPB's tracked window and closes 33.3% with a written explanation. 66.7% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt or credit management" draws the most filings, most often for "Unauthorized withdrawals or charges."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Second Chance Advocate.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Second Chance Advocate: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 3.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 66.7%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Second Chance Advocate (66.7% timely; 66.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Coded-category record