YSA ARM LLC DBA Oxygen XL
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Other debt
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 |
|---|---|
| 2014 | 4 |
| 2015 | 3 |
| 2016 | 1 |
| 2017 | 5 |
| 2018 | 5 |
| 2019 | 6 |
| 2020 | 4 |
| 2021 | 12 |
| 2022 | 4 |
| 2023 | 24 |
| 2024 | 35 |
| 2025 | 49 |
| 2026 | 23 |
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 YSA ARM LLC DBA Oxygen XL
149 debt-collection complaints against YSA ARM LLC DBA Oxygen XL appear in the CFPB record - 85.1% of the 175 complaints filed about this entity. The 24 states and territories represented make this a multi-state operation by complaint volume. "Other debt" is the debt type named most often in complaints against this collector, the category consumers reach for most when filing a CFPB report. "Attempts to collect debt not owed" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.
84.6% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That is under the 95% benchmark collectors are expected to hit, often a precursor to higher 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. In 33.3% of resolved cases, the consumer formally disputed the response - a rough measure of how often the first resolution missed the mark.
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 YSA ARM LLC DBA Oxygen XL have?
149 debt-collection complaints against YSA ARM LLC DBA Oxygen XL appear in the CFPB record - 85.1% of the company's total complaint volume.
Does YSA ARM LLC DBA Oxygen XL respond to complaints on time?
YSA ARM LLC DBA Oxygen XL has a 84.6% timely response rate.
Does YSA ARM LLC DBA Oxygen XL provide relief to consumers?
Of resolved complaints against YSA ARM LLC DBA Oxygen XL, 36.6% ended with consumer relief of some kind. This is a relatively high relief rate.
What type of debt does YSA ARM LLC DBA Oxygen XL primarily collect?
YSA ARM LLC DBA Oxygen XL primarily collects "Other debt" based on CFPB complaint data. The full breakdown of debt types is shown above.
What rights do I have against YSA ARM LLC DBA Oxygen XL?
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 YSA ARM LLC DBA Oxygen XL active?
Consumers in 24 states and territories have filed CFPB complaints against YSA ARM LLC DBA Oxygen XL.
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.