Arm Wny LLC
Open-data reference.
Debt Collector, CFPB Complaint Profile Specializes in: Payday loan
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 2 |
| 2014 | 128 |
| 2015 | 2 |
| 2020 | 1 |
| 2023 | 1 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Arm Wny LLC
129 debt-collection complaints against Arm Wny LLC appear in the CFPB record - 96.3% of the 134 complaints filed about this entity. The 35 states and territories represented make this a multi-state operation by complaint volume. "Payday loan" is the debt type named most often in complaints against this collector, the category consumers reach for most when filing a CFPB report. The single most-cited specific issue is "Communication tactics" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
The company's timely response rate is 70.1%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That is materially below the 95% benchmark, persistently late responses are among the strongest predictors of CFPB supervisory action against debt collectors. 0% of resolved cases against this company closed with some form of consumer relief, a notably low ratio worth weighing against the disputed-response percentage. The response was formally disputed in 28.8% of resolved cases, indicating how frequently the initial fix fell short.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Arm Wny LLC have?
129 debt-collection complaints against Arm Wny LLC appear in the CFPB record - 96.3% of the company's total complaint volume.
Does Arm Wny LLC respond to complaints on time?
Arm Wny LLC's CFPB timely-response rate is 70.1%. That trails the 95% industry benchmark by a wide margin.
Does Arm Wny LLC provide relief to consumers?
Of resolved complaints against Arm Wny LLC, 0% ended with consumer relief of some kind.
What type of debt does Arm Wny LLC primarily collect?
Based on CFPB complaint records, Arm Wny LLC's primary debt type is "Payday loan"; the complete breakdown is shown above.
What rights do I have against Arm Wny LLC?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Arm Wny LLC active?
Arm Wny LLC has received consumer complaints from 35 states and territories, based on CFPB data.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.