YSA ARM LLC DBA Oxygen XL

What the CFPB Record Shows About YSA ARM LLC DBA Oxygen XL

YSA ARM LLC DBA Oxygen XL has accumulated 137 consumer complaints in the CFPB public database, with filings active across 23 U.S. states. Of those submissions, 46 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2014, and the most recent logged activity is 2026-04-05, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, YSA ARM LLC DBA Oxygen XL reports a 83.9% timely-response rate and has closed 63.5% of cases with a written explanation to the consumer. 35.8% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 1.5% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Debt collection", and the single most common underlying issue is "Attempts to collect debt not owed".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating YSA ARM LLC DBA Oxygen XL: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.