CFPB Consumer Complaint Profile

Arm Wny LLC

What 134 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Data updated 2026-05-15

134
Total complaints
0
Last 12 months
70.1%
Timely response
35
States affected

The verdict

Out of 3,848 financial companies in the CFPB database, Arm Wny LLC has accumulated 134 complaints, placing it #1166 by volume. It answers 70.1% of complaints on time - below the 93% median for companies with 100+ complaints.

#1166
of 3,848 companies by volume
70.1%
answered on time
Debt collection
most-complained product
35
states with complaints
Arm Wny LLC timely response rate 70.1%
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 - Payday loan 68
Debt collection - I do not know 45
Debt collection - Other (i.e. phone, health club, etc.) 10
Debt collection - Credit card 4
Payday loan 3
Credit reporting or other personal consumer reports - Credit reporting 1
Debt collection - Credit card debt 1
Bank account or service - Other bank product/service 1
Debt collection - Medical 1

Top Issues

1.Communication tactics 41
2.Cont'd attempts collect debt not owed 35
3.Taking/threatening an illegal action 30
4.Improper contact or sharing of info 11
5.Disclosure verification of debt 8
6.False statements or representation 3
7.Can't contact lender 2
8.Improper use of your report 1
9.Attempts to collect debt not owed 1
10.Account opening, closing, or management 1

Complaints by Year

Year Complaints
2013 2
2014 128
2015 2
2020 1
2023 1

Complaints by State (Top 15)

California 20
Texas 18
Florida 15
Illinois 8
Michigan 7
Pennsylvania 6
Alabama 6
South Carolina 5
Louisiana 5
Tennessee 4
Oklahoma 3
Georgia 3
Missouri 3
New Mexico 3
Delaware 2

Company Responses

Closed with explanation 123
Untimely response 11

What the CFPB Complaint Record Shows for Arm Wny LLC

134 complaints against Arm Wny LLC appear in the CFPB record, including 0 from the trailing year. The 35 states and territories represented put this footprint in multi-regional territory. "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 "Communication tactics" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Arm Wny LLC's timely response rate stands at 70.1%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. The company's response was formally disputed in 28.8% of resolved cases, indicating how frequently the initial fix fell short. 0% of resolved complaints ended with some monetary or non-monetary relief for the consumer.

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 Arm Wny LLC have?

Arm Wny LLC has 134 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.

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.

What product generates the most complaints for Arm Wny LLC?

"Debt collection" draws more CFPB complaints against Arm Wny LLC than any other product - see the full breakdown above.

What is the most common complaint issue with Arm Wny LLC?

"Communication tactics" is the single most frequently cited issue in complaints against Arm Wny LLC - see all issues and counts above.

How do I file a complaint against Arm Wny LLC?

You can file a complaint against Arm Wny LLC 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 Arm Wny LLC?

Consumers in 35 states and territories have filed complaints about Arm Wny LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.

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