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

CFPB complaint data Grade F 129 complaints

ARM WNY LLC - Debt Collector Complaint Profile

CFPB complaint profile across 35 states, reputation grade F.

Complaints by issue type

What consumers report about ARM WNY LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record arm-wny-llc ARM WNY LLC

Grade F · 129 CFPB filings · 71% timely · lead issue: Communication tactics

  • VOL 129
  • GRADE F
  • 12MO 0
  • STATES 35
  • TIMELY 71%
  • DISPUTE 30%
  • ISSUE Communication tactics
  • RANK #721
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: DriveTime (129 complaints)

DriveTimeDriveTime129LDF Holdings, LLCLDF Holdings, LLC129Preferred Collection and Management, Inc.Preferred Collection and Man…129ARM WNY LLC (this)ARM WNY LLC (this)129Financial Accounts Service Team Inc.Financial Accounts Service T…130
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

ARM WNY LLC's 129 CFPB complaints sit next to DriveTime 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 →

How the 129 complaints break down

Every complaint issue type on record for ARM WNY LLC, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
43.9/100
ARM WNY LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
129
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response B
71%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
30%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

California is the plurality state for ARM WNY LLC (15.5%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
California 15.5%
Mid-band (15–30%) · 35 states with ≥1 filing
Seasonal peak
2025-06 9.7%
8–15% band · 27 filings
Corpus ranks
#721 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does ARM WNY LLC compare to its peers?

How does ARM WNY LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
ARM WNY LLC National average
Complaints (last 12 mo)lower is better
0
23
268
Timely-response ratehigher is better
71%
98%
91%
Consumer-dispute ratelower is better
30%
11%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy ARM WNY LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 60%70%80%90%100%110% 0%20%40%60% Timely response rate (%) Dispute rate (%) ARM WNY LLC vs. 10 similar-volume peers, by response speed and dispute rate ARM WNY LLCDriveTimeLDF Holdings, LLCPreferred Collection and Management, Inc.Roosen, Varchetti & Olivier, PLLCPRESTIGE FINANCIAL SERVICES INCNevada Credico, Inc.NCSPLUS INCORPORATEDArmada Corp.Green & Sons Agency, Inc.Larry H. Miller Group of Companies
Source: CFPB Consumer Complaint Database

ARM WNY LLC's complaint volume in context

ARM WNY LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

129 Top 13% higher than 87% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). This entry sits in this band. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. ARM WNY LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Communication tactics
41
Cont'd attempts collect debt not owed
35
Taking/threatening an illegal action
30
Improper contact or sharing of info
11
Disclosure verification of debt
8
False statements or representation
3
Attempts to collect debt not owed
1

Where do complaints against ARM WNY LLC come from?

ARM WNY LLC's own per-state count, not a national baseline.

Top states by complaints against ARM WNY LLC

Across 35 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for ARM WNY LLC: 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: 129.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 70.54263565891473%.

4 peers

Know your rights before responding to ARM WNY LLC: 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.