2026 data Public-data reference. official source

YSA ARM LLC DBA Oxygen XL

Sourced from the CFPB Consumer Complaint Database.

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Debt Collector, CFPB Complaint Profile Specializes in: Other debt

CFPB collection forwarding receipt

Forwarded record DC-YSA-ARM-LLC-DBA-OX YSA ARM LLC DBA Oxygen XL

149 DC complaints · rank #484/656 · 84.6% timely

  • DC 149
  • RANK #484/656
  • TIMELY 84.6%
  • RELIEF 36.6%
  • DISPUTE 33.3%
  • STATES 24
  • ISSUE Attempts to collect debt no…
  • RESP Closed with explanation
  • PHOTO Evergreen Professional Reco…

Volume peers

Photo peer: Evergreen Professional Recoveries, Inc. (149)

Evergreen Professional Recov…149Law Offices of Robert J. Col…150Collections USA, Inc.150YSA ARM LLC DBA Oxygen XL (t…149
Debt-collection complaint volume neighbourhood (this collector + nearest volume peers)

YSA ARM LLC DBA Oxygen XL's 149 debt-collection complaints sit next to Evergreen Professional Recoveries, Inc. (149) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for YSA ARM LLC DBA Oxygen XL →

Debt Collection Complaint Breakdown

Other debt 64
I do not know 63
Rental debt 10
Other (i.e. phone, health club, etc.) 6
Auto debt 6

Top Complaint Issues

1.Attempts to collect debt not owed 78
2.False statements or representation 22
3.Written notification about debt 17
4.Took or threatened to take negative or legal action 15
5.Incorrect information on your report 14
6.Cont'd attempts collect debt not owed 7
7.Communication tactics 6
8.Problem with a credit reporting company's investigation into an existing problem 5
9.Improper use of your report 4
10.Threatened to contact someone or share information improperly 2

Company Responses

Closed with explanation 109
Closed with non-monetary relief 64
Closed 2
Consumers who disputed the response 33.3%

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)

Florida 42
New York 31
Georgia 18
Texas 16
New Jersey 13
California 7
Pennsylvania 6
Indiana 5
Illinois 4
North Carolina 4
Michigan 4
Arizona 3
Virginia 3
Tennessee 3
Mississippi 2

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

According to the CFPB Consumer Complaint Database as aggregated by PlainCredit, YSA ARM LLC DBA Oxygen XL ranks #484 of 656 debt collectors by debt-collection complaint volume (26th percentile), using the same dc_complaints sort as the Collectors directory. 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.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.

Full complaint profile for YSA ARM LLC DBA Oxygen XL → · All debt collectors →

Nationwide collectors with similar complaint volume or dispute rates

Two CFPB peer sets for YSA ARM LLC DBA Oxygen XL: nearest debt collectors by debt-collection complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the volume strip on the forwarding receipt above.

Similar complaint volume

Nearest collectors by debt-collection complaint count (149 here).

Evergreen Professional Recoveries, Inc. 149 Collectech Diversified, Inc. 150 Collections USA, Inc. 150 Law Offices of Robert J. Colclough, III 150

Similar dispute rates

Nearest collectors by share of complaints marked disputed (33.3% here).

American Accounts & Advisers, Inc. 33.3% Associated Credit Services, Inc. 33.3% Collins Asset Group, LLC 33.3% J J Marshall & Associates, Inc 33.3%

Frequently asked questions

How many CFPB debt-collection complaints does YSA ARM LLC DBA Oxygen XL have?

149 debt-collection complaints name YSA ARM LLC DBA Oxygen XL in this CFPB extract - corpus rank #484/656.

Does YSA ARM LLC DBA Oxygen XL respond to CFPB complaints on time?

YSA ARM LLC DBA Oxygen XL's timely response rate on CFPB complaints is 84.6%.

What issue do consumers cite most about YSA ARM LLC DBA Oxygen XL?

"Attempts to collect debt not owed" is the leading issue tag on YSA ARM LLC DBA Oxygen XL's CFPB complaint record.

How should I read YSA ARM LLC DBA Oxygen XL's CFPB complaint record?

YSA ARM LLC DBA Oxygen XL's profile is a CFPB data extract for research. For rights and filing mechanics, use the debt-collection rights and how-to-file-CFPB-complaint guides on this site.

Related guides: Debt collection rights · How to file a CFPB complaint · Reading CFPB complaint 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.