CFPB Consumer Complaint Profile
YSA ARM LLC DBA Oxygen XL
175 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 175
- Total complaints
- Mid-range
- 67
- Last 12 months
- 84.6%
- Timely response
- Bottom quartile
- 24
- States affected
The verdict
175 CFPB complaints put YSA ARM LLC DBA Oxygen XL at #1015 out of 3,843 financial companies ranked by complaint volume. It posts a 84.6% on-time response rate, the 12th percentile among companies with 100+ complaints.
- #1015
- of 3,843 companies by volume
- 84.6%
- on time (12th pctile)
- Debt collection
- most-complained product
- 24
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
YSA ARM LLC DBA Oxygen XL vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
84.6% Among the lowest higher than 12% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 35 in 2024 to 49 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
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 |
| 2026year in progress | 23 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for YSA ARM LLC DBA Oxygen XL
175 complaints against YSA ARM LLC DBA Oxygen XL appear in the CFPB record, including 67 from the trailing year. The 24 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. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against YSA ARM LLC DBA Oxygen XL draw a 84.6% reply rate inside the Bureau's 15-day window. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Resolved cases drew a formal consumer-dispute rate of 33.3% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 36.6% closed with some form of monetary or non-monetary relief to 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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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 YSA ARM LLC DBA Oxygen XL have?
YSA ARM LLC DBA Oxygen XL has 175 total consumer complaints filed with the CFPB, with 67 filed in the last 12 months.
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 to CFPB complaints.
What product generates the most complaints for YSA ARM LLC DBA Oxygen XL?
Among all products tied to YSA ARM LLC DBA Oxygen XL, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with YSA ARM LLC DBA Oxygen XL?
Consumers most often cite "Attempts to collect debt not owed" when complaining about YSA ARM LLC DBA Oxygen XL; the full issue list with counts is above.
How do I file a complaint against YSA ARM LLC DBA Oxygen XL?
You can file a complaint against YSA ARM LLC DBA Oxygen XL 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 YSA ARM LLC DBA Oxygen XL?
The CFPB has recorded complaints against YSA ARM LLC DBA Oxygen XL from 24 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for YSA ARM LLC DBA Oxygen XL: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (33.3% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.