Total complaints
1
Filed since Upon
2026 data Public-data reference. official source
speaking to the third representative
1 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
1 consumer complaints filed with the CFPB
This profile shows speaking to the third representative's complaint history from CFPB public records. 1 consumers have filed complaints since Upon. The company has a 0% timely response rate and has provided relief in 0% of cases.
1
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
Upon
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
speaking to the third representative complaint mix by product
- I called 1 100.0% – 0% relief
How speaking to the third representative's 1 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| I called early the next morning ( about six hours later ) to discuss with a representative. I was told they didnt have a record of the first referral using the web link | 1 |
Top States
| State | Complaints |
|---|---|
| and was told that would be a bad plan as Id only qualify the first time I ever applied for the card and they didnt think there was anything I could do. After disconnecting | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| but after being on hold for 25 minutes the phone disconnected. He never called me back. I called back after waiting for ten minutes and spoke to a second person | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About speaking to the third representative
speaking to the third representative has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes 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 Upon, and the most recent logged activity is Upon seein, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, speaking to the third representative reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% 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 "I called early the next morning ( about six hours later ) to discuss with a representative. I was told they didnt have a record of the first referral using the web link", and the single most common underlying issue is "but after being on hold for 25 minutes the phone disconnected. He never called me back. I called back after waiting for ten minutes and spoke to a second person".
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 speaking to the third representative: 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 speaking to the third representative have?
speaking to the third representative has received 1 consumer complaints filed with the Consumer Financial Protection Bureau.
Does speaking to the third representative respond to complaints on time?
speaking to the third representative has a 0% timely response rate to CFPB complaints.
What is the most common complaint about speaking to the third representative?
The most common issue reported against speaking to the third representative is "but after being on hold for 25 minutes the phone disconnected. He never called me back. I called back after waiting for ten minutes and spoke to a second person" in the "I called early the next morning ( about six hours later ) to discuss with a representative. I was told they didnt have a record of the first referral using the web link" product category.
Read our methodology — how this data is sourced, computed, and verified.
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