This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade B 13 complaints

3rd Generation, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade B.

Complaints by issue type

What consumers report about 3rd Generation, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

B

Grade B · 65.9/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of B: 3rd Generation, Inc. ranks ahead of 61% of the 5,283 collectors PlainCollector grades - 39% keep a cleaner CFPB record, on 13 all-time complaints and a 69% timely-response rate.

61st pct
reputation rank of 5,283 graded collectors
13
CFPB complaints, all-time
69%
answered inside the CFPB window
1
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

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 falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Debt is not yours". The company posts a 69% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 4 states, led by California with 10 and Arizona with 1. Normalized against the full CFPB collector database, the reputation score of 65.9/100 places 3rd Generation, Inc. in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

13

low-volume (CCDB)

Last 12 months

1

7.7% of all-time complaints

Falling ↓

States active

4

limited footprint

Timely response rate

69%

below sla band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

B

65.9/100 composite

How does 3rd Generation, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

66 61st percentile higher than 61% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

3rd Generation, Inc. versus the debt-collection vertical average.

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?

How does 3rd Generation, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
3rd Generation, Inc. National average
Complaints (last 12 mo)lower is better
1
4
268
Timely-response ratehigher is better
69%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2025-10 2025-10

Issue Detail Breakdown

Issue Sub-Issue Complaints
Written notification about debt - 3
Communication tactics - 3
Attempts to collect debt not owed - 2
Took or threatened to take negative or legal action - 1
False statements or representation - 1
Cont'd attempts collect debt not owed - 1
Threatened to contact someone or share information improperly - 1
Improper contact or sharing of info - 1

Where do complaints against 3rd Generation, Inc. come from?

3rd Generation, Inc.'s own per-state count, not a national baseline.

Top states by complaints against 3rd Generation, Inc.

Across 4 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if 3rd Generation, Inc. contacts you

A grade of B signals how 3rd Generation, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really 3rd Generation, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how 3rd Generation, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against 3rd Generation, Inc.? ▼

The most common issue consumers report about 3rd Generation, Inc. is "Written notification about debt", 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 falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is 3rd Generation, Inc.'s reputation grade? ▼

3rd Generation, Inc. has a reputation grade of B (score: 65.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.