Total CFPB complaints
352
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 352 complaints
A.R.M. Solutions, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 38 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about A.R.M. Solutions, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
185 complaints
- Cont'd attempts collect debt not owed 48
Cont'd attempts collect debt not owed
48 complaints
- False statements or representation 34
False statements or representation
34 complaints
- Written notification about debt 30
Written notification about debt
30 complaints
- Communication tactics 12
Communication tactics
12 complaints
- Took or threatened to take negative or legal action 9
Took or threatened to take negative or legal action
9 complaints
C
Grade C · 59.6/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about A.R.M. Solutions, Inc.?
A.R.M. Solutions, Inc. has accumulated 352 total CFPB complaints across 38 states, with 35 filed in the most recent 12 months against 317 historical complaints before that window. The trailing-12-month volume represents 9.9% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 8% 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 38 states, led by California with 95 and Florida with 50, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.6/100 places A.R.M. Solutions, Inc. 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
35
9.9% of total history
Falling ↓
States active
38
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
8%
After company response
Reputation grade
C
59.6/100 composite
Response-quality profile
How A.R.M. Solutions, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 16.4%
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?
A.R.M. Solutions, Inc. 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)
2024-01 2026-03
Top Consumer Issues
Attempts to collect debt not owed185 (%)
False statements or representation34 (%)
Cont'd attempts collect debt not owed48 (%)
Written notification about debt30 (%)
Communication tactics12 (%)
Took or threatened to take negative or legal action9 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 117 |
| Attempts to collect debt not owed | Debt was paid | 62 |
| False statements or representation | Attempted to collect wrong amount | 34 |
| Cont'd attempts collect debt not owed | Debt is not mine | 32 |
| Written notification about debt | Didn't receive enough information to verify debt | 23 |
| Cont'd attempts collect debt not owed | Debt was paid | 16 |
| Communication tactics | Frequent or repeated calls | 12 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 9 |
| Written notification about debt | Didn't receive notice of right to dispute | 7 |
| Attempts to collect debt not owed | Debt was result of identity theft | 6 |
Where do complaints against A.R.M. Solutions, Inc. come from?
The states where consumers have filed the most CFPB complaints against A.R.M. Solutions, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against A.R.M. Solutions, Inc.
Across 38 states with at least one filing
- California
California
95 complaints
- Florida
Florida
50 complaints
- Texas 30
Texas
30 complaints
- North Carolina 17
North Carolina
17 complaints
- Virginia 14
Virginia
14 complaints
- Illinois 14
Illinois
14 complaints
- Georgia 13
Georgia
13 complaints
- Maryland 12
Maryland
12 complaints
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 352 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 35 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). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 (95 complaints).
What can I do if A.R.M. Solutions, Inc. 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 A.R.M. Solutions, Inc. 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 |