Total complaints
3
Filed since 2024
2026 data Public-data reference. official source
Second Chance Advocate
3 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
3 consumer complaints filed with the CFPB
This profile shows Second Chance Advocate's complaint history from CFPB public records. 3 consumers have filed complaints since 2024. The company has a 66.7% timely response rate and has provided relief in 66.7% of cases.
3
Total Complaints
66.7%
Timely Response
0%
Disputed
66.7%
Relief Provided
3
States Active
2024
Since
Timely response
66.7%
CFPB-tracked response window
Relief rate
66.7%
Closed with monetary or non-monetary relief
Timely response rate 66.7%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 66.7%
Industry median
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 |
Top States
| State | Complaints |
|---|---|
| NH | 1 |
| CA | 1 |
| SC | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Didn't provide services promised | 1 |
| Unauthorized withdrawals or charges | 1 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2024 | 1 | 100% |
| 2025 | 1 | 0% |
| 2026 | 1 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Second Chance Advocate
Second Chance Advocate has accumulated 3 consumer complaints in the CFPB public database, with filings active across 3 U.S. states. Of those submissions, 0 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2024, and the most recent logged activity is 2026-02-27, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, Second Chance Advocate reports a 66.7% timely-response rate and has closed 33.3% of cases with a written explanation to the consumer. 66.7% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Debt or credit management", and the single most common underlying issue is "Didn't provide services promised".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating Second Chance Advocate: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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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.
Frequently Asked Questions
How many CFPB complaints does Second Chance Advocate have?
Second Chance Advocate has received 3 consumer complaints filed with the Consumer Financial Protection Bureau.
Does Second Chance Advocate respond to complaints on time?
Second Chance Advocate has a 66.7% timely response rate to CFPB complaints.
What is the most common complaint about Second Chance Advocate?
The most common issue reported against Second Chance Advocate is "Didn't provide services promised" in the "Debt or credit management" product category.
Read our methodology — how this data is sourced, computed, and verified.
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