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

CFPB complaint data Grade F 157 complaints

YSA ARM LLC DBA Oxygen XL - Debt Collector Complaint Profile

CFPB complaint profile across 23 states, reputation grade F.

Complaints by issue type

What consumers report about YSA ARM LLC DBA Oxygen XL

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 157
  • GRADE F
  • 12MO 58
  • STATES 23
  • TIMELY 83%
  • DISPUTE 38%
  • ISSUE Attempts to collect debt n…
  • RANK #644
  • COMPOSE Not ranked

Volume peers

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

DRB-40, LLCDRB-40, LLC157Western-Shamrock CorporationWestern-Shamrock Corporation157YSA ARM LLC DBA Oxygen XL (this)YSA ARM LLC DBA Oxygen XL (t…157Arnold Scott Harris, P.C.Arnold Scott Harris, P.C.158Collection Services of Athens, Inc.Collection Services of Athen…158
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 →

How the 157 complaints break down

Every complaint issue type on record for YSA ARM LLC DBA Oxygen XL, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
46.9/100
YSA ARM LLC DBA Oxygen XL

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
157
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
83%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
38%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#644 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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 XL National average
Complaints (last 12 mo)lower is better
58
44
268
Timely-response ratehigher is better
83%
99%
91%
Consumer-dispute ratelower is better
38%
26%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy YSA ARM LLC DBA Oxygen XL a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 40%60%80%100%120% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) YSA ARM LLC DBA Oxygen XL vs. 10 similar-volume peers, by response speed and dispute rate YSA ARM LLC DBA Oxygen XLWestern-Shamrock CorporationDRB-40, LLCContinental Credit ControlRJM ACQUISITION LLCLaw Offices of Robert J. Colclough, IIIUnlimited Progress CorpLOBEL FINANCIAL CORPORATIONCOLLECTION SERVICES OF ATHENS, INC.Arnold Scott Harris, P.C.D. SCOTT CARRUTHERS
Source: CFPB Consumer Complaint Database

YSA ARM LLC DBA Oxygen XL's complaint volume in context

YSA ARM LLC DBA Oxygen XL vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

157 Top 12% higher than 88% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). This entry sits in this band. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. YSA ARM LLC DBA Oxygen XL 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
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.

Top states by complaints against YSA ARM LLC DBA Oxygen XL

Across 23 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.