CFPB · Single-product concentration
YSA ARM LLC DBA Oxygen XL
183 CFPB complaints · 84.2% in "Debt collection" · top issue Attempts to collect debt not owed.
YSA ARM LLC DBA Oxygen XL: 84.2% of 183 CFPB complaints sit in "Debt collection". Timely 85.2% · relief 35%. Allegations, not findings.
- Single-product concentration
- +675% filings 2014 to 2026
CFPB relief outcome brief
CCDB company ysa-arm-llc-dba-oxygen-xl
35% relief · 85.2% timely · 183 filings · Debt collection
Same-product relief peers
Nearest relief peer: Harris & Harris, Ltd. (34.8% relief)
YSA ARM LLC DBA Oxygen XL closes 35% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of YSA ARM LLC DBA Oxygen XL's 183 filings include narrative text
48.6% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
YSA ARM LLC DBA Oxygen XL complaint mix by product
- Debt collection 154 84.2% – 37% relief
- Credit reporting 19 10.4% – 32% relief
- Credit reporting, 9 4.9% – 11% relief
- Credit reporting 1 0.5% – 0% relief
How YSA ARM LLC DBA Oxygen XL's 183 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 154 |
| Credit reporting or other personal consumer reports | 19 |
| Credit reporting, credit repair services, or other personal consumer reports | 9 |
| Credit reporting | 1 |
Where YSA ARM LLC DBA Oxygen XL complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 23.5% of this company's filings
YSA ARM LLC DBA Oxygen XL rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 31
- +675% vs 2014
Top States
| State | Complaints |
|---|---|
| FL | 43 |
| NY | 36 |
| GA | 18 |
| TX | 16 |
| NJ | 14 |
| CA | 7 |
| PA | 6 |
| NC | 5 |
| IN | 5 |
| MI | 4 |
| IL | 4 |
| VA | 3 |
| AZ | 3 |
| TN | 3 |
| CO | 2 |
| MS | 2 |
| UT | 2 |
| NV | 2 |
| SC | 1 |
| OK | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 82 |
| False statements or representation | 22 |
| Written notification about debt | 17 |
| Incorrect information on your report | 17 |
| Took or threatened to take negative or legal action | 16 |
| Cont'd attempts collect debt not owed | 7 |
| Communication tactics | 6 |
| Problem with a credit reporting company's investigation into an existing problem | 5 |
| Improper use of your report | 4 |
| Problem with a company's investigation into an existing problem | 2 |
| Threatened to contact someone or share information improperly | 2 |
| Electronic communications | 1 |
| Incorrect information on credit report | 1 |
| Disclosure verification of debt | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 4 | 50% |
| 2015 | 3 | 33.3% |
| 2016 | 1 | 100% |
| 2017 | 5 | 60% |
| 2018 | 5 | 60% |
| 2019 | 6 | 0% |
| 2020 | 4 | 0% |
| 2021 | 12 | 75% |
| 2022 | 4 | 75% |
| 2023 | 24 | 91.7% |
| 2024 | 35 | 97.1% |
| 2025 | 49 | 95.9% |
| 2026 | 31 | 100% |
Source: CFPB Consumer Complaint Database
YSA ARM LLC DBA Oxygen XL filings cluster in one product
YSA ARM LLC DBA Oxygen XL's 183 logged complaints stay concentrated: only 24 states show a filing. 48.6% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2026-06-16.
YSA ARM LLC DBA Oxygen XL answers 85.2% of complaints inside the CFPB's tracked window and closes 63.9% with a written explanation. 35% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about YSA ARM LLC DBA Oxygen XL.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for YSA ARM LLC DBA Oxygen XL: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 183.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 85.2%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for YSA ARM LLC DBA Oxygen XL (85.2% timely; 35% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration