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

Data updated July 2026

F

Grade F · 47.5/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: ARM WNY LLC ranks ahead of 11% of the 5,283 collectors PlainCollector grades - 89% keep a cleaner CFPB record, on 129 all-time complaints and a 71% timely-response rate.

11th pct
reputation rank of 5,283 graded collectors
129
CFPB complaints, all-time
71%
answered inside the CFPB window
0
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 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 falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Threatened to take legal action". The company posts a 71% timely-response rate against a 30% consumer-dispute-after-response rate.

Complaints have been recorded across 35 states, led by California with 20 and Texas with 17. Normalized against the full CFPB collector database, the reputation score of 47.5/100 places ARM WNY LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

129

mid-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

35

multi-region footprint

Timely response rate

71%

below sla band

Consumer disputes

30%

elevated (vertical avg ~19%)

Reputation grade

F

47.5/100 composite

How does ARM WNY LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

47 Bottom 11% higher than 11% 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%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 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

ARM WNY LLC versus the debt-collection vertical average.

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) 29.7%
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?

How does ARM WNY LLC compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if ARM WNY LLC contacts you

A grade of F signals how ARM WNY LLC'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 ARM WNY LLC 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 ARM WNY LLC 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 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: 47.5/100), 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).

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.