What is the most common complaint against DirectArms?

The most common issue consumers report about DirectArms is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 2 complaints filed with the CFPB.

Are complaints against DirectArms increasing or decreasing?

Complaints against DirectArms are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is DirectArms's reputation grade?

DirectArms has a reputation grade of A (score: 74.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does DirectArms respond to consumer complaints?

DirectArms has a 100% timely response rate to CFPB complaints.

In how many states does DirectArms operate?

DirectArms has received CFPB complaints from consumers in 2 states, with the most complaints from Virginia (1 complaints).

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

DirectArms - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade A.

Compiled by PlainCollector

Written notification about debt

2

Data updated September 2026

CFPB complaint disposition

CCDB record directarms DirectArms

Grade A · 2 CFPB filings · 100% timely · lead issue: Written notification about debt · vol #4031 · compose #914

VOL 2
GRADE A
12MO 0
STATES 2
TIMELY 100%
ISSUE Written notification about…
RANK #4,031
COMPOSE #914

Volume peers

Nearest volume peer: 1 Auto Finance, Inc. (2 complaints)

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

DirectArms's 2 CFPB complaints sit next to 1 Auto Finance, 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

50.0% of DirectArms's CFPB filings land in Virginia

High volume does not equal a clean composite: DirectArms is volume #4,031 but composite #914, while Virginia dominates the geography. Corpus placement method.

Dominant state: Virginia 50.0%; 1 of 2 filings · 2 states touched
Spike month: 2019-04 25.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #4,031 volume; #914 composite; Cleanest-composite ladder is 3,117 places better than volume

How does DirectArms compare to its peers?

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

DirectArms 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)

2019-04 2026-01

Issue Detail Breakdown

Issue	Complaints
Written notification about debt	2

Where do complaints against DirectArms come from?

DirectArms's own per-state count, not a national baseline.

Virginia

1
West Virginia

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for DirectArms: 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: 2.

4 peers

Know your rights before responding to DirectArms: 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.