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 2026-05-15
- 175
- Total complaints
- 67
- Last 12 months
- 84.6%
- Timely response
- 24
- States affected
The verdict
175 CFPB complaints put YSA ARM LLC DBA Oxygen XL at #1017 out of 3,848 financial companies ranked by complaint volume. It answers 84.6% of complaints on time - below the 93% median for companies with 100+ complaints.
- #1017
- of 3,848 companies by volume
- 84.6%
- answered on time
- Debt collection
- most-complained product
- 24
- states with complaints
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 |
| 2026 | 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.
84.6% of CFPB-forwarded complaints against YSA ARM LLC DBA Oxygen XL get a reply 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. In 33.3% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 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 (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 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~175)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.