Auto lender · complaint record
3rd Generation complaints
Filed under 3rd Generation, Inc.
Consumers have filed 66 complaints about 3rd Generation since 2014, none in the last 12 months. It answered 56.1% on time and closed 0% with relief for the customer. The most common problem is managing the loan or lease.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 66
- Last 12 months
- 0
- Answered on time
- 56.1%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- -
Since July 2014
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Oct 28, 2025
3rd Generation complaints by month
The busiest month was August 2017 (3 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How 3rd Generation answered all time
- Closed with explanation66100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What 3rd Generation complaints are about
Top 3rd Generation problems
Inside "Managing the loan or lease"
- Billing problem 4
- Problem with fees charged 2
- Problem with the interest rate 1
Where 3rd Generation complaints come from
Most complaints: California (47), Arizona (5), Nevada (4), New Mexico (2), Hawaii (1).
3rd Generation compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | The Savings GroupAuto loans & leases | 63 | 41 | C |
| 2 | AC AutoPay LLC, Denver, CO BranchAuto loans & leases | 60 | 38 | C |
| 3 | CARS AcquisitionAuto loans & leases | 81 | 34 | A |
| 4 | EA HoldingsAuto loans & leases | 3 | 33 | F |
| 5 | Innovate ManagedAuto loans & leases | 6 | 32 | F |
| 6 | Cooley EnterprisesAuto loans & leases | 8 | 31 | F |
| 7 | Challenge Financial ServicesAuto loans & leases | 5 | 27 | F |
| 8 | 3rd GenerationAuto loans & leases | - | 0 | - |
Compare side by side: 3rd Generation vs The Savings Group · 3rd Generation vs AC AutoPay LLC, Denver, CO Branch · 3rd Generation vs CARS Acquisition · 3rd Generation vs EA Holdings
What people say about 3rd Generation
All experiencesNo experiences with 3rd Generation yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest 3rd Generation complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 28, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 9, 2025 | Auto loans & leases | Managing the loan or leaseProblem with the interest rate | Explained |
| May 26, 2025 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | Explained |
| Mar 3, 2022 | Auto loans & leases | Getting a loan or leaseFraudulent loan | Explained |
| Sep 20, 2021 | Credit reporting | Problem with a credit reporting company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Sep 15, 2021 | Credit reporting | Problem with a credit reporting company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Aug 3, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 24, 2021 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| May 22, 2021 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | Explained |
| May 8, 2021 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | Explained |
| May 6, 2021 | Credit cards | Problem with a purchase shown on your statementCard was charged for something you did not purchase with the card | Explained |
| Mar 29, 2021 | Credit cards | Incorrect information on your reportInformation belongs to someone else | Explained |
Questions about 3rd Generation
How many complaints does 3rd Generation have?
3rd Generation has 66 complaints on record since July 2014, including 0 in the last 12 months and 0 in the last 30 days.
Does 3rd Generation respond to complaints?
Yes. 3rd Generation answered 56.1% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with 3rd Generation?
The most common problems are managing the loan or lease (11), struggling to pay your loan (9), problems when you are unable to pay (7).
Is 3rd Generation legit?
3rd Generation is a real company with a public complaint record: consumers have complained about it 66 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is 3rd Generation legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against 3rd Generation?
Complain to 3rd Generation in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most 3rd Generation complaints come from?
Most come from California (47), Arizona (5), Nevada (4). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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