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

CFPB complaint data Grade C 361 complaints

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

CFPB complaint profile across 38 states, reputation grade C.

Complaints by issue type

What consumers report about A.R.M. Solutions, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 59.6/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

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

The verdict

A reputation grade of C: A.R.M. Solutions, Inc. ranks ahead of 41% of the 5,283 collectors PlainCollector grades - 59% keep a cleaner CFPB record, on 361 all-time complaints and a 98% timely-response rate.

41st pct
reputation rank of 5,283 graded collectors
361
CFPB complaints, all-time
98%
answered inside the CFPB window
36
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 A.R.M. Solutions, Inc.?

A.R.M. Solutions, Inc. has accumulated 361 total CFPB complaints across 38 states, with 36 filed in the most recent 12 months against 325 historical complaints before that window. The trailing-12-month volume represents 10.0% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 98% timely-response rate against a 8% consumer-dispute-after-response rate.

Complaints have been recorded across 38 states, led by California with 97 and Florida with 51. Normalized against the full CFPB collector database, the reputation score of 59.6/100 places A.R.M. Solutions, Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

361

mid-volume (CCDB)

Last 12 months

36

10.0% of all-time complaints

Falling ↓

States active

38

multi-region footprint

Timely response rate

98%

excellent band

Consumer disputes

8%

low (vertical avg ~19%)

Reputation grade

C

59.6/100 composite

How does A.R.M. Solutions, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

60 41st percentile higher than 41% 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%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 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

A.R.M. Solutions, Inc. versus the debt-collection vertical average.

Timely response within SLA 97.7%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 8.2%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 67.9%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
A.R.M. Solutions, Inc. National average
Complaints (last 12 mo)lower is better
36
124
268
Timely-response ratehigher is better
98%
98%
91%
Consumer-dispute ratelower is better
8%
8%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against A.R.M. Solutions, Inc.

Across 38 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if A.R.M. Solutions, Inc. contacts you

A grade of C signals how A.R.M. Solutions, 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 A.R.M. Solutions, 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 A.R.M. Solutions, 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 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: 59.6/100), 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).

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.