Total CFPB complaints
44
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 44 complaints
Armor Systems Corporation — Debt Collector Complaint Profile
CFPB complaint profile across 11 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Armor Systems Corporation
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
20 complaints
- Attempts to collect debt not owed 6
Attempts to collect debt not owed
6 complaints
- Disclosure verification of debt 5
Disclosure verification of debt
5 complaints
- False statements or representation 4
False statements or representation
4 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
- Threatened to contact someone or share information improperly 2
Threatened to contact someone or share information improperly
2 complaints
C
Grade C · 61.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Armor Systems Corporation?
Armor Systems Corporation has accumulated 44 total CFPB complaints across 11 states, with 0 filed in the most recent 12 months against 44 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 33% 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 11 states, led by Illinois with 31 and California with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.0/100 places Armor Systems Corporation 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
0
0.0% of total history
Stable →
States active
11
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
33%
After company response
Reputation grade
C
61.0/100 composite
Response-quality profile
How Armor Systems Corporation performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 66.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 19.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Armor Systems Corporation compare to its peers?
Armor Systems Corporat… 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)
2015-09 2019-05
Top Consumer Issues
Cont'd attempts collect debt not owed20 (%)
Attempts to collect debt not owed6 (%)
False statements or representation4 (%)
Disclosure verification of debt5 (%)
Written notification about debt3 (%)
Threatened to contact someone or share information improperly2 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 14 |
| Attempts to collect debt not owed | Debt is not yours | 6 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Disclosure verification of debt | Right to dispute notice not received | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Cont'd attempts collect debt not owed | Debt was paid | 3 |
| Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 2 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
Where do complaints against Armor Systems Corporation come from?
The states where consumers have filed the most CFPB complaints against Armor Systems Corporation. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Armor Systems Corporation
Across 11 states with at least one filing
- Illinois
Illinois
31 complaints
- California 3
California
3 complaints
- Florida 2
Florida
2 complaints
- Hawaii 1
Hawaii
1 complaints
- New York 1
New York
1 complaints
- Oregon 1
Oregon
1 complaints
- New Jersey 1
New Jersey
1 complaints
- North Carolina 1
North Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against Armor Systems Corporation? ▼
The most common issue consumers report about Armor Systems Corporation is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 44 complaints filed with the CFPB.
Are complaints against Armor Systems Corporation increasing or decreasing? ▼
Complaints against Armor Systems Corporation have been stable. The company received 0 complaints in the last 12 months.
What is Armor Systems Corporation's reputation grade? ▼
Armor Systems Corporation has a reputation grade of C (score: 61.0/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Armor Systems Corporation respond to consumer complaints? ▼
Armor Systems Corporation has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.
In how many states does Armor Systems Corporation operate? ▼
Armor Systems Corporation has received CFPB complaints from consumers in 11 states, with the most complaints from Illinois (31 complaints).
What can I do if Armor Systems Corporation 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 Armor Systems Corporation 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 |