YSA ARM LLC DBA Oxygen XL

What the CFPB Record Shows for YSA ARM LLC DBA Oxygen XL

YSA ARM LLC DBA Oxygen XL has 149 debt-collection complaints on file with the CFPB, which represents 85.1% of the 175 total complaints the Bureau has received about this entity. Reports have originated from consumers in 24 states and territories, making this a multi-state collection operation as measured by complaint volume. The most common debt type behind these complaints is "Other debt," which is the category consumers most often describe when they file a CFPB report about this collector. The single most-cited specific issue is "Attempts to collect debt not owed" — a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.

The company's timely response rate is 84.6%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That sits below the 95% industry benchmark, which historically correlates with higher downstream dispute rates. Of resolved cases, 36.6% closed with monetary or non-monetary relief to the consumer, which is a relatively high relief ratio for the debt-collection segment. Consumers formally disputed the company's response in 33.3% of resolved cases, signalling how often the initial resolution failed to satisfy the complainant.

Under the Fair Debt Collection Practices Act (FDCPA), consumers have the right to request written verification of a debt within 30 days of first contact, to dispute debts they believe are incorrect or not theirs, and to demand in writing that a collector cease contact. 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, 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.