Total CFPB complaints
129
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 129 complaints
ARM WNY LLC — Debt Collector Complaint Profile
CFPB complaint profile across 35 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ARM WNY LLC
- Communication tactics
Communication tactics
41 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
32 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
28 complaints
- Improper contact or sharing of info 7
Improper contact or sharing of info
7 complaints
- Disclosure verification of debt 6
Disclosure verification of debt
6 complaints
- False statements or representation 2
False statements or representation
2 complaints
F
Grade F · 47.5/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about ARM WNY LLC?
ARM WNY LLC has accumulated 129 total CFPB complaints across 35 states, with 0 filed in the most recent 12 months against 129 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Threatened to take legal action", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 71% timely-response rate against a 30% 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 35 states, led by California with 20 and Texas with 17, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 47.5/100 places ARM WNY LLC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
35
Distinct state filings
Timely response rate
71%
Within CFPB SLA window
Consumer disputes
30%
After company response
Reputation grade
F
47.5/100 composite
Response-quality profile
How ARM WNY LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 70.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 59.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 62.5%
Share of US states + territories with at least one filed complaint against this collector.
How does ARM WNY LLC compare to its peers?
ARM WNY LLC 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)
2013-12 2020-09
Top Consumer Issues
Communication tactics41 (%)
Taking/threatening an illegal action28 (%)
Cont'd attempts collect debt not owed32 (%)
Improper contact or sharing of info7 (%)
Disclosure verification of debt6 (%)
False statements or representation2 (%)
Most common issue: Communication tactics — Threatened to take legal action
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 |
|---|---|---|
| Communication tactics | Threatened to take legal action | 21 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 20 |
| Communication tactics | Frequent or repeated calls | 17 |
| Cont'd attempts collect debt not owed | Debt is not mine | 16 |
| Cont'd attempts collect debt not owed | Debt was paid | 16 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 8 |
| Improper contact or sharing of info | Contacted employer after asked not to | 7 |
| Disclosure verification of debt | Not given enough info to verify debt | 6 |
| Communication tactics | Used obscene/profane/abusive language | 3 |
| False statements or representation | Indicated committed crime not paying | 2 |
Where do complaints against ARM WNY LLC come from?
The states where consumers have filed the most CFPB complaints against ARM WNY LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ARM WNY LLC
Across 35 states with at least one filing
- California
California
20 complaints
- Texas
Texas
17 complaints
- Florida
Florida
15 complaints
- Illinois 7
Illinois
7 complaints
- Michigan 7
Michigan
7 complaints
- Alabama 6
Alabama
6 complaints
- South Carolina 5
South Carolina
5 complaints
- Louisiana 5
Louisiana
5 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is ARM WNY LLC's reputation grade? ▼
ARM WNY LLC has a reputation grade of F (score: 47.5/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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).
What can I do if ARM WNY LLC 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 ARM WNY LLC 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 |