Total CFPB complaints
13
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 13 complaints
3rd Generation, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about 3rd Generation, Inc.
- Communication tactics
Communication tactics
3 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- Written notification about debt
Written notification about debt
2 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
B
Grade B · 65.9/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about 3rd Generation, Inc.?
3rd Generation, Inc. has accumulated 13 total CFPB complaints across 4 states, with 1 filed in the most recent 12 months against 12 historical complaints before that window. The trailing-12-month volume represents 7.7% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 69% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 4 states, led by California with 10 and Arizona with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 65.9/100 places 3rd Generation, Inc. in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
7.7% of total history
Rising ↑
States active
4
Distinct state filings
Timely response rate
69%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
65.9/100 composite
Response-quality profile
How 3rd Generation, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 69.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does 3rd Generation, Inc. compare to its peers?
3rd Generation, Inc. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2014-09 2025-10
Top Consumer Issues
Attempts to collect debt not owed2 (%)
Communication tactics3 (%)
Improper contact or sharing of info1 (%)
Took or threatened to take negative or legal action1 (%)
False statements or representation1 (%)
Written notification about debt2 (%)
Cont'd attempts collect debt not owed1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Communication tactics | Used obscene/profane/abusive language | 1 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
Where do complaints against 3rd Generation, Inc. come from?
The states where consumers have filed the most CFPB complaints against 3rd Generation, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against 3rd Generation, Inc.
Across 4 states with at least one filing
- California
California
10 complaints
- Arizona 1
Arizona
1 complaints
- New Mexico 1
New Mexico
1 complaints
- Nebraska 1
Nebraska
1 complaints
Frequently Asked Questions
What is the most common complaint against 3rd Generation, Inc.? ▼
The most common issue consumers report about 3rd Generation, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 13 complaints filed with the CFPB.
Are complaints against 3rd Generation, Inc. increasing or decreasing? ▼
Complaints against 3rd Generation, Inc. are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is 3rd Generation, Inc.'s reputation grade? ▼
3rd Generation, Inc. has a reputation grade of B (score: 65.9/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does 3rd Generation, Inc. respond to consumer complaints? ▼
3rd Generation, Inc. has a 69% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does 3rd Generation, Inc. operate? ▼
3rd Generation, Inc. has received CFPB complaints from consumers in 4 states, with the most complaints from California (10 complaints).
What can I do if 3rd Generation, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If 3rd Generation, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |