Total CFPB complaints
12
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 12 complaints
Arbor Residential Mortgage LLC — Debt Collector Complaint Profile
CFPB complaint profile across 10 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Arbor Residential Mortgage LLC
- False statements or representation
False statements or representation
3 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Disclosure verification of debt
Disclosure verification of debt
2 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
2 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
- Communication tactics 1
Communication tactics
1 complaints
C
Grade C · 61.2/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Arbor Residential Mortgage LLC?
Arbor Residential Mortgage LLC has accumulated 12 total CFPB complaints across 10 states, with 0 filed in the most recent 12 months against 12 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 67% timely-response rate against a 17% 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 10 states, led by North Carolina with 2 and Arizona with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.2/100 places Arbor Residential Mortgage LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
10
Distinct state filings
Timely response rate
67%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
C
61.2/100 composite
Response-quality profile
How Arbor Residential Mortgage LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 66.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 33.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 17.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Arbor Residential Mortgage LLC compare to its peers?
Arbor Residential Mort… 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)
2014-03 2019-09
Top Consumer Issues
False statements or representation3 (%)
Attempts to collect debt not owed3 (%)
Disclosure verification of debt2 (%)
Written notification about debt1 (%)
Cont'd attempts collect debt not owed2 (%)
Communication tactics1 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 3 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against Arbor Residential Mortgage LLC come from?
The states where consumers have filed the most CFPB complaints against Arbor Residential Mortgage LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Arbor Residential Mortgage LLC
Across 10 states with at least one filing
- North Carolina
North Carolina
2 complaints
- Arizona
Arizona
2 complaints
- Texas
Texas
1 complaints
- Kentucky
Kentucky
1 complaints
- Michigan
Michigan
1 complaints
- California
California
1 complaints
- Maryland
Maryland
1 complaints
- New York
New York
1 complaints
Frequently Asked Questions
What is the most common complaint against Arbor Residential Mortgage LLC? ▼
The most common issue consumers report about Arbor Residential Mortgage LLC is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 12 complaints filed with the CFPB.
Are complaints against Arbor Residential Mortgage LLC increasing or decreasing? ▼
Complaints against Arbor Residential Mortgage LLC have been stable. The company received 0 complaints in the last 12 months.
What is Arbor Residential Mortgage LLC's reputation grade? ▼
Arbor Residential Mortgage LLC has a reputation grade of C (score: 61.2/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Arbor Residential Mortgage LLC respond to consumer complaints? ▼
Arbor Residential Mortgage LLC has a 67% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.
In how many states does Arbor Residential Mortgage LLC operate? ▼
Arbor Residential Mortgage LLC has received CFPB complaints from consumers in 10 states, with the most complaints from North Carolina (2 complaints).
What can I do if Arbor Residential Mortgage LLC 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 Arbor Residential Mortgage LLC 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 |