CFPB Consumer Complaint Profile

A.R.M. Solutions, Inc.

354 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.

Data updated 2026-05-15

354
Total complaints
36
Last 12 months
97.7%
Timely response
38
States affected

The verdict

Among 3,848 financial companies tracked by CFPB complaint volume, A.R.M. Solutions, Inc. sits at #621, with 354 complaints logged. It answers 97.7% of complaints on time - above the 93% median for companies with 100+ complaints.

#621
of 3,848 companies by volume
97.7%
answered on time
Debt collection
most-complained product
38
states with complaints
A.R.M. Solutions, Inc. timely response rate 97.7%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Other debt 249
Debt collection - Other (i.e. phone, health club, etc.) 65
Debt collection - I do not know 28
Debt collection - Credit card debt 3
Debt collection - Medical debt 3
Debt collection - Medical 2
Credit reporting or other personal consumer reports - Other personal consumer report 1
Debt collection - Payday loan 1
Debt collection - Mortgage 1
Credit reporting or other personal consumer reports - Credit reporting 1

Top Issues

1.Attempts to collect debt not owed 185
2.Cont'd attempts collect debt not owed 49
3.False statements or representation 35
4.Written notification about debt 31
5.Communication tactics 22
6.Took or threatened to take negative or legal action 13
7.Disclosure verification of debt 6
8.Electronic communications 4
9.Threatened to contact someone or share information improperly 3
10.Improper use of your report 2

Complaints by Year

Year Complaints
2013 7
2014 14
2015 16
2016 21
2017 30
2018 28
2019 18
2020 18
2021 24
2022 51
2023 38
2024 43
2025 39
2026 7

Complaints by State (Top 15)

California 95
Florida 50
Texas 30
North Carolina 17
Virginia 14
Illinois 14
Georgia 14
Maryland 12
New York 11
Washington 11
Connecticut 9
South Carolina 7
New Jersey 7
Pennsylvania 6
Alabama 4

Company Responses

Closed with explanation 351
Closed 2
Closed with non-monetary relief 1

What the CFPB Complaint Record Shows for A.R.M. Solutions, Inc.

The CFPB Consumer Complaint Database has logged 354 complaints against A.R.M. Solutions, Inc. overall, with 36 of those filed in the trailing 12 months. Reports have come from consumers in 38 states and territories, making this a multi-regional complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

A.R.M. Solutions, Inc.'s timely response rate stands at 97.7%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is at or above benchmark levels, a sign the company handles intake and escalation well. In 8.2% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 0.3% closed with the consumer receiving monetary or non-monetary relief.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does A.R.M. Solutions, Inc. have?

The CFPB has logged 354 complaints against A.R.M. Solutions, Inc. to date, of which 36 came in over the last 12 months.

Does A.R.M. Solutions, Inc. respond to complaints on time?

A.R.M. Solutions, Inc.'s CFPB timely-response rate is 97.7%. That is a strong response record by CFPB standards.

What product generates the most complaints for A.R.M. Solutions, Inc.?

"Debt collection" draws more CFPB complaints against A.R.M. Solutions, Inc. than any other product - see the full breakdown above.

What is the most common complaint issue with A.R.M. Solutions, Inc.?

"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against A.R.M. Solutions, Inc. - see all issues and counts above.

How do I file a complaint against A.R.M. Solutions, Inc.?

You can file a complaint against A.R.M. Solutions, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about A.R.M. Solutions, Inc.?

A.R.M. Solutions, Inc. has drawn CFPB complaints from 38 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.