What is the most common complaint against YSA ARM LLC DBA Oxygen XL?

The most common issue consumers report about YSA ARM LLC DBA Oxygen XL is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 157 complaints filed with the CFPB.

Are complaints against YSA ARM LLC DBA Oxygen XL increasing or decreasing?

Complaints against YSA ARM LLC DBA Oxygen XL are rising. The company received 58 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is YSA ARM LLC DBA Oxygen XL's reputation grade?

YSA ARM LLC DBA Oxygen XL has a reputation grade of F (score: 46.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does YSA ARM LLC DBA Oxygen XL respond to consumer complaints?

YSA ARM LLC DBA Oxygen XL has a 83% timely response rate to CFPB complaints. Consumers disputed the company's response in 38% of cases.

In how many states does YSA ARM LLC DBA Oxygen XL operate?

YSA ARM LLC DBA Oxygen XL has received CFPB complaints from consumers in 23 states, with the most complaints from Florida (40 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

YSA ARM LLC DBA Oxygen XL - Debt Collector Complaint Profile

CFPB complaint profile across 23 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

82
False statements or representation

22
Written notification about debt

17
Took or threatened to take negative or legal action

17
Communication tactics

8
Cont'd attempts collect debt not owed

7

Data updated September 2026

CFPB complaint disposition

CCDB record ysa-arm-llc-dba-oxygen-xl YSA ARM LLC DBA Oxygen XL

Grade F · 157 CFPB filings · 83% timely · lead issue: Attempts to collect debt not owed · vol #644 · compose #4415

VOL 157
GRADE F
12MO 58
STATES 23
TIMELY 83%
DISPUTE 38%
ISSUE Attempts to collect debt n…
RANK #644
COMPOSE #4,415

Volume peers

Nearest volume peer: DRB-40, LLC (157 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

YSA ARM LLC DBA Oxygen XL's 157 CFPB complaints sit next to DRB-40, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Florida is the plurality state for YSA ARM LLC DBA Oxygen XL (25.5%)

Volume rank #644 and composite rank #4,415 diverge by 3,771 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Florida 25.5%; Mid-band (15–30%) · 23 states with ≥1 filing
Seasonal peak: 2022-08 14.0%; 8–15% band · 6 filings
Divergent corpus ranks: #644 volume; #4,415 composite; Cleanest-composite ladder is 3,771 places worse than volume

How does YSA ARM LLC DBA Oxygen XL compare to its peers?

How does YSA ARM LLC DBA Oxygen XL compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

YSA ARM LLC DBA Oxygen… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

83%

99%

91%

Consumer-dispute ratelower is better

38%

26%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-08 2023-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	82
False statements or representation	22
Written notification about debt	17
Took or threatened to take negative or legal action	17
Communication tactics	8
Cont'd attempts collect debt not owed	7
Threatened to contact someone or share information improperly	2
Disclosure verification of debt	1
Electronic communications	1

Where do complaints against YSA ARM LLC DBA Oxygen XL come from?

YSA ARM LLC DBA Oxygen XL's own per-state count, not a national baseline.

Florida

40
New York

27
Texas

15
Georgia

14
New Jersey

12
Pennsylvania

6
California

5
Indiana

5

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for YSA ARM LLC DBA Oxygen XL: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 157.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 83.22147651006712%.

4 peers

Know your rights before responding to YSA ARM LLC DBA Oxygen XL: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.