What is the most common complaint against A.R.M. Solutions, Inc.?

The most common issue consumers report about A.R.M. Solutions, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 361 complaints filed with the CFPB.

Are complaints against A.R.M. Solutions, Inc. increasing or decreasing?

Complaints against A.R.M. Solutions, Inc. are falling. The company received 36 complaints in the last 12 months, showing improvement over prior periods.

What is A.R.M. Solutions, Inc.'s reputation grade?

A.R.M. Solutions, Inc. has a reputation grade of C (score: 56.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does A.R.M. Solutions, Inc. respond to consumer complaints?

A.R.M. Solutions, Inc. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 8% of cases.

In how many states does A.R.M. Solutions, Inc. operate?

A.R.M. Solutions, Inc. has received CFPB complaints from consumers in 38 states, with the most complaints from California (97 complaints).

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

A.R.M. Solutions, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 38 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

190
Cont'd attempts collect debt not owed

49
False statements or representation

36
Written notification about debt

31
Communication tactics

24
Took or threatened to take negative or legal action

13

Data updated September 2026

CFPB complaint disposition

CCDB record arm-solutions-inc A.R.M. Solutions, Inc.

Grade C · 361 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #344 · compose #3080

VOL 361
GRADE C
12MO 36
STATES 38
TIMELY 98%
DISPUTE 8%
ISSUE Attempts to collect debt n…
RANK #344
COMPOSE #3,080

Volume peers

Nearest volume peer: Rfna, LP (362 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

A.R.M. Solutions, Inc.'s 361 CFPB complaints sit next to Rfna, LP on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

California is the plurality state for A.R.M. Solutions, Inc. (26.9%)

Volume rank #344 and composite rank #3,080 diverge by 2,736 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: California 26.9%; Mid-band (15–30%) · 38 states with ≥1 filing
Seasonal peak: 2025-12 8.7%; 8–15% band · 48 filings
Divergent corpus ranks: #344 volume; #3,080 composite; Cleanest-composite ladder is 2,736 places worse than volume

How does A.R.M. Solutions, Inc. compare to its peers?

How does A.R.M. Solutions, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

A.R.M. Solutions, Inc. National average

Complaints (last 12 mo)lower is better

124

268

Timely-response ratehigher is better

98%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	190
Cont'd attempts collect debt not owed	49
False statements or representation	36
Written notification about debt	31
Communication tactics	24
Took or threatened to take negative or legal action	13
Disclosure verification of debt	6
Electronic communications	5
Threatened to contact someone or share information improperly	3
Improper contact or sharing of info	2

Where do complaints against A.R.M. Solutions, Inc. come from?

A.R.M. Solutions, Inc.'s own per-state count, not a national baseline.

California

97
Florida

51
Texas

32
North Carolina

17
Virginia

15
Illinois

14
Georgia

13
Maryland

12

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for A.R.M. Solutions, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 361.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 97.72727272727273%.

4 peers

Know your rights before responding to A.R.M. Solutions, Inc.: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.