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

CFPB complaint data Grade D 46 complaints

Armstrong and Associates, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 10 states, reputation grade D.

Complaints by issue type

What consumers report about Armstrong and Associates, Inc

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 56.8/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: Armstrong and Associates, Inc ranks ahead of 31% of the 5,283 collectors PlainCollector grades - 69% keep a cleaner CFPB record, on 46 all-time complaints and a 100% timely-response rate.

31st pct
reputation rank of 5,283 graded collectors
46
CFPB complaints, all-time
100%
answered inside the CFPB window
12
in the last 12 months (stable)

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 Armstrong and Associates, Inc?

Armstrong and Associates, Inc has accumulated 46 total CFPB complaints across 10 states, with 12 filed in the most recent 12 months against 34 historical complaints before that window. The trailing-12-month volume represents 26.1% 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt". The company posts a 100% timely-response rate.

Complaints have been recorded across 10 states, led by Alabama with 19 and Mississippi with 13. Normalized against the full CFPB collector database, the reputation score of 56.8/100 places Armstrong and Associates, Inc in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

46

low-volume (CCDB)

Last 12 months

12

26.1% of all-time complaints

Stable →

States active

10

regional footprint

Timely response rate

100%

excellent band

Reputation grade

D

56.8/100 composite

How does Armstrong and Associates, Inc's reputation rank nationally?

Reputation score vs. every graded collector

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

57 31st percentile higher than 31% 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%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 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

Armstrong and Associates, Inc versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 17.9%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Armstrong and Associat… National average
Complaints (last 12 mo)lower is better
12
13
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-03 2026-03

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Armstrong and Associates, Inc

Across 10 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Armstrong and Associates, Inc contacts you

A grade of D signals how Armstrong and Associates, Inc'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 Armstrong and Associates, Inc 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 Armstrong and Associates, Inc 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 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: 56.8/100), 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).

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.