What is the most common complaint against Armstrong and Associates, Inc?

The most common issue consumers report about Armstrong and Associates, Inc is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 46 complaints filed with the CFPB.

Are complaints against Armstrong and Associates, Inc increasing or decreasing?

Complaints against Armstrong and Associates, Inc have been stable. The company received 12 complaints in the last 12 months.

What is Armstrong and Associates, Inc's reputation grade?

Armstrong and Associates, Inc has a reputation grade of D (score: 53.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Armstrong and Associates, Inc respond to consumer complaints?

Armstrong and Associates, Inc has a 100% timely response rate to CFPB complaints.

In how many states does Armstrong and Associates, Inc operate?

Armstrong and Associates, Inc has received CFPB complaints from consumers in 10 states, with the most complaints from Alabama (19 complaints).

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

Armstrong and Associates, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 10 states, reputation grade D.

Compiled by PlainCollector

Written notification about debt

15
Attempts to collect debt not owed

13
False statements or representation

7
Communication tactics

5
Took or threatened to take negative or legal action

4
Threatened to contact someone or share information improperly

2

Data updated September 2026

CFPB complaint disposition

CCDB record armstrong-and-associates-inc Armstrong and Associates, Inc

Grade D · 46 CFPB filings · 100% timely · lead issue: Written notification about debt · vol #1246 · compose #3653

VOL 46
GRADE D
12MO 12
STATES 10
TIMELY 100%
ISSUE Written notification about…
RANK #1,246
COMPOSE #3,653

Volume peers

Nearest volume peer: Credit Bureau Services of Iowa Inc. (46 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Armstrong and Associates, Inc's 46 CFPB complaints sit next to Credit Bureau Services of Iowa Inc. 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 →

State-heavy filing map

41.3% of Armstrong and Associates, Inc's CFPB filings land in Alabama

High volume does not equal a clean composite: Armstrong and Associates, Inc is volume #1,246 but composite #3,653, while Alabama dominates the geography. Corpus placement method.

Dominant state: Alabama 41.3%; 19 of 46 filings · 10 states touched
Seasonal peak: 2024-03 8.6%; 8–15% band · 8 filings
Divergent corpus ranks: #1,246 volume; #3,653 composite; Cleanest-composite ladder is 2,407 places worse than volume

How does Armstrong and Associates, Inc compare to its peers?

How does Armstrong and Associates, Inc compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Armstrong and Associat… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-03 2026-03

Issue Detail Breakdown

Issue	Complaints
Written notification about debt	15
Attempts to collect debt not owed	13
False statements or representation	7
Communication tactics	5
Took or threatened to take negative or legal action	4
Threatened to contact someone or share information improperly	2

Where do complaints against Armstrong and Associates, Inc come from?

Armstrong and Associates, Inc's own per-state count, not a national baseline.

Alabama

19
Mississippi

13
Louisiana

6
Texas

2
Florida

1
Kansas

1
Missouri

1
New Jersey

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Armstrong and Associates, Inc: 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: 46.

4 peers

Know your rights before responding to Armstrong and Associates, Inc: 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.