YSA ARM LLC DBA Oxygen XL

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

The CFPB Consumer Complaint Database has logged 175 complaints against YSA ARM LLC DBA Oxygen XL overall, with 67 of those filed in the trailing 12 months. Reports have come from consumers in 24 states and territories, making this a multi-regional complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" — a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

YSA ARM LLC DBA Oxygen XL's timely response rate stands at 84.6%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Consumers formally disputed the company's response in 33.3% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 36.6% closed with some form of monetary or non-monetary relief to the consumer.

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.