What is the most common complaint against ARM WNY LLC?

The most common issue consumers report about ARM WNY LLC is "Communication tactics", specifically "Threatened to take legal action". This is based on 129 complaints filed with the CFPB.

Are complaints against ARM WNY LLC increasing or decreasing?

Complaints against ARM WNY LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is ARM WNY LLC's reputation grade?

ARM WNY LLC has a reputation grade of F (score: 43.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does ARM WNY LLC respond to consumer complaints?

ARM WNY LLC has a 71% timely response rate to CFPB complaints. Consumers disputed the company's response in 30% of cases.

In how many states does ARM WNY LLC operate?

ARM WNY LLC has received CFPB complaints from consumers in 35 states, with the most complaints from California (20 complaints).

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

ARM WNY LLC - Debt Collector Complaint Profile

CFPB complaint profile across 35 states, reputation grade F.

Compiled by PlainCollector

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

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 #721 · compose #4782

VOL 129
GRADE F
12MO 0
STATES 35
TIMELY 71%
DISPUTE 30%
ISSUE Communication tactics
RANK #721
COMPOSE #4,782

Volume peers

Nearest volume peer: DriveTime (129 complaints)

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 →

Filing geometry

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

Volume rank #721 and composite rank #4,782 diverge by 4,061 places on PlainCollector's CFPB-derived corpus maps. 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
Divergent corpus ranks: #721 volume; #4,782 composite; Cleanest-composite ladder is 4,061 places worse than volume

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

268

Timely-response ratehigher is better

71%

98%

91%

Consumer-dispute ratelower is better

30%

11%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

California

20
Texas

17
Florida

15
Illinois

7
Michigan

7
Alabama

6
Louisiana

5
Pennsylvania

5

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.