YSA ARM LLC DBA Oxygen XL
183 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About YSA ARM LLC DBA Oxygen XL
YSA ARM LLC DBA Oxygen XL's 183 logged complaints stay concentrated: only 24 states show a filing on record. 48.6% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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.
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.
Frequently Asked Questions
How many CFPB complaints does YSA ARM LLC DBA Oxygen XL have?
183, per the CFPB's public complaint count for this company (see the full breakdown above).
Does YSA ARM LLC DBA Oxygen XL respond to complaints on time?
85.2% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about YSA ARM LLC DBA Oxygen XL?
"Attempts to collect debt not owed", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.