CFPB · Narrative-heavy record
Smart Money Alliance
8 CFPB complaints · 75% with narratives · top issue Unexpected or other fees.
Smart Money Alliance: 75% of 8 filings include consumer narratives. Timely 75% · relief 12.5% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- -75% filings 2021 to 2026
CFPB relief outcome brief
CCDB company smart-money-alliance
12.5% relief · 75% timely · 8 filings · Debt collection
Same-product relief peers
Nearest relief peer: Scott Fetzer Financial Group Inc. (12.5% relief)
Smart Money Alliance closes 12.5% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Smart Money Alliance has 8 filings on record, below the 10-complaint threshold this score requires for a stable percentage. A single additional filing can swing a rate by 10+ points at this volume, so no score is shown rather than an unstable one.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Smart Money Alliance complaint mix by product
- Debt collection 4 50.0% – 0% relief
- Credit reporting, 3 37.5% – 33% relief
- Payday loan, 1 12.5% – 0% relief
How Smart Money Alliance's 8 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 4 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
| Payday loan, title loan, or personal loan | 1 |
Where Smart Money Alliance complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- MD
- 25% of this company's filings
Smart Money Alliance falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 1
- -75% vs 2021
Top States
| State | Complaints |
|---|---|
| MD | 2 |
| NC | 1 |
| NY | 1 |
| CO | 1 |
| FL | 1 |
| NV | 1 |
| IL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Unexpected or other fees | 2 |
| False statements or representation | 2 |
| Took or threatened to take negative or legal action | 1 |
| Attempts to collect debt not owed | 1 |
| Fraud or scam | 1 |
| Charged fees or interest you didn't expect | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2021 | 4 | 100% |
| 2022 | 2 | 100% |
| 2024 | 1 | 0% |
| 2026 | 1 | 0% |
Source: CFPB Consumer Complaint Database
Smart Money Alliance's narrative-rich complaint ledger
Smart Money Alliance's 8 logged complaints stay concentrated: only 7 states show a filing. 75% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2021 through 2026-03-18.
Smart Money Alliance answers 75% of complaints inside the CFPB's tracked window and closes 62.5% with a written explanation. 12.5% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Unexpected or other fees."
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 Smart Money Alliance.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Smart Money Alliance: 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: 8.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 75%.
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 Smart Money Alliance (75% timely; 12.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record